Flood damage is a regular occurrence in parts of the country near the sea and large rivers.
Many of these properties have made claims in the past but are now no longer insured. Flood events are becoming more extensive and therefore affect properties that are outside any
exclusion zones defined by insurers.
Flood damage affects low level and basement, Building, Machinery, Contents and Stock. The event occurs quickly – often without a lot of warning.
Floor coverings, dry linings, stock and machinery are often damaged beyond repair.
The claim process and reinstatement process may take many months to complete because the scope of the damage affects the entire footprint of a building.