Recovering Your Property from Floodwaters with Assurance
When faced with the aftermath of a flood, Home Claims Assist is your trusted partner in navigating the insurance claims process. Flooding can result in extensive damage to properties, and our experienced team specialises in securing the maximum coverage for your losses. From assessing water damage to coordinating with insurers, we ensure a comprehensive and efficient approach to handling flood-related insurance claims.
24/7 Support
Call Us Anytime
Expert Guidance
Years Of Experience
Peace of Mind
We'll Handle Your Claim
Satisfaction Guaranteed
Read Our Reviews
What to Do Immediately After a Flood
Acting quickly after a flood protects both your safety and the strength of your insurance claim.
Prioritise your safety
Avoid contact with flood water — it may contain sewage, chemicals, or other contaminants. Do not walk through standing water if you cannot see the ground beneath it.
Turn off utilities
Switch off the electricity at the consumer unit and the gas supply if it is safe to do so. Do not touch any electrical equipment that may have come into contact with water.
Notify your insurer
Report the flood to your insurance company as soon as possible. A prompt notification helps ensure a smooth claims process from the outset.
Document everything
Take photographs and video of the flood damage before any clean-up begins. Record water levels on walls, damaged contents, and the overall condition of each room.
Keep all receipts
Any emergency expenses — temporary accommodation, essential clothing, meals — should be documented. These costs are typically covered under your policy.
Contact Home Claims Assist
The sooner a loss assessor is involved, the stronger your claim will be. We provide immediate guidance and can attend your property quickly.
What Does a Flood Damage Claim Cover?
Flood damage claims can be extensive. We ensure every eligible cost is captured and properly documented in your claim.
Structural Drying & Repair
Professional drying using industrial dehumidifiers, followed by full reinstatement of walls, floors, ceilings, and plasterwork.
Contents Replacement
Furniture, carpets, electronics, clothing, and personal belongings damaged or contaminated by flood water.
Contamination & Cleaning
Specialist decontamination for sewage-contaminated flood water, mould remediation, and professional deep cleaning throughout.
Emergency Repairs
Boarding up, temporary weatherproofing, water extraction, and any immediate works needed to prevent further damage to the property.
Alternative Accommodation
If your home is uninhabitable during drying and repairs, your policy should cover suitable temporary accommodation for you and your family.
Electrical & Plumbing
Rewiring, replacement of damaged sockets and consumer units, boiler and heating system replacement where flood water has caused damage.
Garden & External Areas
Damaged fencing, garden walls, driveways, and outbuildings affected by flood water, where covered under your policy.
Loss of Rental Income
For landlord policies, covering the rent lost while the property is uninhabitable during the drying and reinstatement period.
The Hidden Damage Most People Miss
Flood water doesn't just damage what you can see. Some of the most costly damage is hidden behind walls, beneath floors, and inside the structure of your property.
- Saturated insulation behind walls and under floors that breeds mould if not removed
- Compromised foundations and floor joists weakened by prolonged water exposure
- Damaged electrical wiring within wall cavities, creating potential safety hazards
- Contaminated cavity wall insulation that cannot be dried and must be replaced
- Warped timber frames, door frames, and window frames not visible until drying begins
- Mould growth behind plasterboard that can develop weeks after the flood recedes
Our Independent Assessment
We conduct a thorough, independent inspection of your property — completely separate from the insurer's loss adjuster. Our assessment covers every aspect of the damage:
- Full moisture mapping using professional-grade equipment
- Structural survey identifying all flood-related damage
- Detailed contents inventory with replacement valuations
- Assessment of contamination levels and required remediation
- Review of your policy to confirm what is covered
- Calculation of accommodation costs and additional expenses
How Long Does a Flood Damage Claim Take?
Flood claims typically take longer than other types of property damage because of the drying process, which must be completed before any reinstatement works can begin.
We coordinate the entire process — from appointing specialist drying companies to supervising reinstatement works — so you have a single point of contact throughout your claim.
Flood Damage Claims for Homeowners, Landlords and Businesses
Flood damage affects every type of property. We manage flood insurance claims for homeowners dealing with contaminated ground floors, landlords who need to recover lost rental income while their property dries out, and business owners facing stock losses and business interruption alongside the physical damage.
Flooding is often accompanied by other insured perils. A severe storm may cause both storm damage to your roof and flood damage to your ground floor simultaneously. We ensure every element of the damage is captured in a single, comprehensive claim rather than being fragmented or undervalued.
To understand how we manage claims from start to finish, visit our claims process page. If you are unsure whether you need professional help, our guide on loss assessors vs loss adjusters explains when independent representation is most valuable.
Property affected by flooding?
Flood damage claims require specialist expertise. Let our experienced team manage your claim, coordinate drying and restoration, and secure the settlement you deserve.
Frequently Asked Questions
Ensure your safety first — avoid contact with flood water as it may be contaminated. Turn off electricity and gas if safe to do so. Contact your insurer to report the damage and instruct Home Claims Assist immediately. Document the damage with photographs and video before any clean-up begins, and keep receipts for any emergency expenses.
Most standard home insurance policies include cover for flood damage, though the specifics vary between providers and locations. Some properties in high-risk flood areas may have exclusions or higher excesses. We review your policy thoroughly to ensure you receive every penny you're entitled to under your cover.
Flood-damaged properties typically require professional drying over several weeks to months, depending on the severity. Structural repairs and reinstatement can take additional months. We coordinate the entire process, from appointing drying companies to supervising reinstatement works, ensuring quality standards are met throughout.
Yes. Flood water can cause significant hidden damage including compromised foundations, damaged electrical wiring within walls, contamination of insulation, mould growth behind plasterboard, and warping of floor joists. Our thorough assessment process identifies these hidden issues to ensure they're included in your claim.
If your property is uninhabitable following a flood, your policy typically covers alternative accommodation costs. We manage this element of your claim to ensure you have suitable temporary housing while your home is being restored.
We conduct comprehensive, independent assessments of all flood-related damage — both visible and hidden. Our experienced team knows exactly what to look for and how to document losses in a way that ensures nothing is missed. We then negotiate robustly with your insurer to secure the maximum settlement.