Professional loss assessors helping homeowners and businesses across Northern Ireland with flood damage insurance claims, emergency repairs and settlement negotiations.
Get Expert Help TodayThe effects of water flooding into buildings and saturating contents is one of the most underestimated perils in the insurance industry. Flood damage can affect domestic and commercial property, causing damage that may not be fully visible during the first inspection.
Immediately following a flood, a policyholder is strongly advised to seek expert help, assistance and guidance from an FCA regulated insurance intermediary such as a loss assessor in the presentation of the insurance claim.
Premier Property Claims deals with flood damage claims involving domestic and commercial property. As your claims consultant and claims handler, we can assist with the arrangement of emergency repairs to make the building safe and ensure that mains services are safely terminated or resumed.
Premier Property Claims will prepare a schedule of the flood loss, submit the claim to your insurers and negotiate settlement with insurers or their loss adjusters on your behalf. We will also guide you in obtaining appropriate replacement or repair estimates and valuations where necessary.
Flood damage that may initially appear minor can affect the structural integrity or performance of a building. Premier Property Claims has extensive experience in these matters and, where appropriate, can engage associated structural engineers to comment on the cause and extent of damage and provide expert opinion on the remedial works required.
Foundations, structural walls, timber cabinets, joinery items, electrical wiring, boilers, stud walling, plasterwork and tiling may initially appear to have suffered minimal or no permanent damage. However, following drying out periods, structural cracking, warping and destabilisation of these items is common.
Flooding can also involve the backing up of sewers and the penetration of effluent into occupied buildings, creating an additional health hazard. We understand these potential secondary issues and work to ensure they do not become a problem for you later.
Insurance companies may attempt to argue that saturated items are salvageable, but as experienced loss assessors, Premier Property Claims can often demonstrate that fixtures and contents are contaminated and need to be replaced.
Stress-free management of your flood damage claim from first inspection through to settlement.
We help negotiate fair cash settlements directly with your insurance company.
We provide a hands-on approach and act only in the interests of the policyholder.
Your insurance company is likely to appoint a loss adjuster or claims handler to deal with your claim, but this is to protect their own interests. These representatives operate under heavy workloads and your claim may not be given the focus it deserves.
Adjusters and insurance claims inspectors do not prepare your claim. They adjust the claim you submit. Other expenses may be recoverable that you are unaware of. If you prematurely agree a claim with insurers, it may be too late for them to subsequently reconsider additional items.
Insurance policy wordings are complex and difficult for a policyholder to understand. An insurer or their representative has the advantage and may attempt to construe the wording in their favour. Acting as your dedicated loss assessor, Premier Property Claims understands the policy wording and has the knowledge and experience to redress the balance.
It is essential that you are represented by your own professional FCA regulated loss assessor as soon as possible after flood damage is discovered. This helps ensure the claim is properly and accurately presented and that you receive the maximum benefit available under the policy.
Speak with Premier Property Claims today and let our experienced team manage your flood damage insurance claim from start to finish.
Call 0800 193 4323