Home Insurance Claims for Flood
Every year, homes across the UK are affected by flooding. Having to leave your home because of a flood is stressful and expensive, and can leave you trying to deal with a lot of problems at once. Once the water subsides, you will have to make an insurance claim. It is at this point that you may be in danger of sinking further.
Insurance companies are like any other business. They are aiming to make as much profit as possible. And with the huge increase in insurance claims for flood damage in recent years, insurance companies will do everything within their power to pay out as little as possible. Many people think that when they make an insurance claim, they simply have to tell the insurance company how much the flood damage has cost them, and wait for a cheque to arrive. Sadly, this is far from the reality.
Helping you to get a home flood insurance settlement that covers your loss
Insurance companies employ insurance loss adjusters to deal with each insurance claim. They will assess the damage the flood has caused to your home and advise the insurance company how much you should receive as a settlement.
But a loss adjuster works for the insurance company, not for you, and their job is to make sure your insurer pays you as little as possible. You need someone with the same skills working on your behalf – you need an insurance loss assessor.
An insurance loss assessor looks at the damage caused by a flood to your home and property, in exactly the same way as a loss adjuster, but uses this information to work out what the fairest payment would be for you, not the insurance company. Loss assessors deal with insurance claims every day, and have the benefit of knowledge, experience, and clarity. When your home has been ruined by floods, do you really want the added stress of sorting out your insurance claim by yourself?
What to do in the event of a flood in your home
If you have suffered a flood in your home, contact an insurance loss assessor as quickly as possible. The sooner they can assess the damage, the better. A loss assessor will come to your home and make a record of the damage the flood has caused, including photographs, which can then be used to strengthen your insurance claim. Loss assessors are experts at dealing effectively with insurance companies, and will fight your corner when it comes to getting a fair and reasonable settlement.
Truman Associates only charge a small percentage of your eventual insurance claim settlement, so using an insurance loss assessor is not expensive - in fact the money we charge is usually offset by the higher payout we negotiate for you.
If a flood has caused damage to your home, call us now on 0800 542 1616 or 07831 259545 for help with your insurance claim. One of our insurance loss assessors will be happy to help you.
