Flood Damage Insurance Claims

Flooding can be caused by many factors ranging from a burst pipe to flash flooding. When it damages your property it is a very traumatic and frightening experience.

Flood water, no matter what the source, more often than not becomes contaminated with sewage and other pollutants. It is key that correct sanitation is carried out before the dehumidifiers are installed and the drying process commences.

The drying out process of a flood damaged property is a very specialist procedure. If the property is dried aggressively and quickly it can cause excessive shrinkage to the structure and cause more damage than the original flooding. Insufficient drying and poor anti – fungal treatment can lead to wet and dry rot problems with the property which will not be covered by your insurance policy

Many other issues also need to be addressed, such as:

1. How long will the claim process take?
2. Who decides on the work to be done?
3. Does my insurance policy cover the cost of emergency accommodation for my family?
4. Can we decide on the contractors and surveyors to carry out our repair works or do we have to use the ones favoured by our insurance company?
5. How do we prepare our claim and do we need to have a number of estimates from different building contractors?
6. How do we put a value on our contents destroyed in the flood?

These are just some of the questions that will come up when you have to make an insurance claim. Without the valuable support and back up provided by Assessor Direct the onus will be on you to find solutions to these problems as well as trying to carry on with your normal daily routine.

Insurance companies employ a Loss Adjuster to adjust on your contents and building claim and although they are employed independently by the insurance company it is in their interest to settle your claim as economically as possible.

The truth is that without engaging a Property Claim Consultant like Assessor Direct your claim is only a number within the system and control of your insurance company. When appointed Assessor Direct get to work immediately on your behalf allowing you to get on with your life. Click here for details of how Assessor Direct can help you.

We offer free advice to you and there is no obligation so call one of our experienced Claim Consultants to see how we can help you with your fire claim. Please dial freephone 1800 252467 or complete our online enquiry form.