These are the top 5 things that we see Insurers/Loss Adjusters do to reduce their liability/exposure when dealing with claims for flood damage to homes.
1. Offer a cash settlement.
NEVER accept a cash settlement as it will invariably be far less than the true repair cost. If you’ve recently accepted a cash settlement, please do give us a call, as we can still help you.
2. Tell you that the water staining can be painted over.
If plaster or plasterboard is wet-stained, it needs to come off. If you try to paint over it, the staining will come back after a while because the wall behind will still have damp trapped behind it.
3. Tell you that the plaster only needs to come off up to the high water mark.
Once moisture gets behind plaster it slowly works its way up the wall behind through capillary action. ALL the plaster must come off.
4. Suggest high-speed drying.
This is quicker and cheaper for them, but if a building is dried-out too quickly significant damage can occur which can cause all manner of problems in the future.
5. Refuse to cover for certain things on the basis of “consequential damage”.
This is their big “get out” and unless you understand your policy terms (and what they really mean), you can find yourself having to pay for an amount of the work. If an insurer even mentions the term, you need to call us without delay.
We have vast experience in the insurance and building sectors and in carrying out flood damage repairs and restoration work.
If you are in the process of a claim for flooding and recognise any of the above we can still help. Call us on 0800 328 4188.