How to Prepare a Flood Damage Insurance Claim (UK)

Preparing a flood damage insurance claim can be challenging, particularly where damage is widespread or develops over time. Understanding what insurers typically look for can help reduce delays and disputes.

This guide explains, in general terms, how flood damage insurance claims are usually prepared in the UK.

Step 1: Record Damage as Soon as It Is Safe

Once conditions allow, record visible flood damage using photographs, videos, and written notes. This can help establish the extent and progression of damage.

Step 2: Review Your Policy Wording

Check how your policy defines flood damage and any exclusions or conditions that may apply, such as gradual damage or preventative measures.

Step 3: Gather Supporting Evidence

Collect reports, invoices, drying assessments, and correspondence related to the damage. Clear records help explain what has occurred.

Step 4: Communicate Clearly With the Insurer

Providing accurate and consistent information can reduce misunderstandings during the assessment process.

Important Note

This guide provides general information only. It does not provide regulated insurance advice, does not prepare claims, and does not act on behalf of policyholders.

Getting Further Guidance

If you are unsure how your insurer’s requests should be interpreted or what information is relevant, Claim Guardians provides information and guidance to help you understand the process.