Flood Damage Insurance Claim Support That Maximises Your Settlement
Flooding can turn a property upside down within minutes, ruining flooring, damaging walls, and destroying belongings.
Flood Damage can Occur for Various Reasons
Flood damage claims can feel overwhelming and can happen for many reasons, including:
-
- Ground water
- Rising water
- River overflow
When any of these occur, flood damage claims can feel overwhelming.
At All Property Claims (APC), we manage your flood damage insurance claim from beginning to end, ensuring your property is restored to its pre-loss condition.
With the right support in place, getting your home or business back to normal becomes much easier.
Understanding Flood Damage and Its Impact
Floodwater can cause both immediate and long-lasting damage. Once water infiltrates a building, it can weaken structures, spread contaminants, and create the perfect environment for mould and bacteria. Acting quickly not only helps protect your health and safety but also strengthens your claim for flood damage.
Common impacts of flooding include:
Structural weakening of walls, floors, and foundations
Contamination from sewage or external water sources
Extensive damage to electrics and heating systems
Mould growth resulting from trapped moisture
The sooner flood damage is assessed and contained, the simpler and more cost-effective the restoration will be, so beginning your flood damage claim early can make a meaningful difference to the outcome.
What Do Flood Damage Insurance Claims Cover?
Claims for flood damage can include a wide range of repairs and restoration work. While every policy differs, cover often includes:
Drying and decontamination of the building to remove moisture and bacteria
Structural repair or replacement, including walls, plaster, flooring and insulation
Temporary accommodation if your home is not safe to remain in during repairs
At APC, we review your policy carefully to ensure you receive the maximum support for your claim.
Why Choose APC for Flood Damage Claim Support?
Understandably, many policyholders find flood claims complex, especially when insurers dispute the cause or the level of damage. Our expertise ensures you are fully protected and not left out of pocket.
With enlisting the help of APC, you benefit from:
A dedicated claims manager and surveyor acting exclusively in your best interests
Faster, smoother claims with minimal disruption
Support for both residential and commercial flood damage claims
Peace of mind knowing your property is prioritised and professionally restored
How We Can Help You Claim for Flood Damage
Not everyone knows how to file a claim for flood damage, and insurers often require precise documentation to consider your case. APC handles the process on your behalf, ensuring your claim is properly evidenced and submitted.
From the moment you contact APC, we survey the damage, identify any immediate risks, and take steps to prevent further loss. We then compile a clear, detailed report for your insurer, explaining the cause of the flood, the extent of the damage, and the repairs required.
Our team speaks directly with the insurer and their loss adjuster to secure a fair and accurate settlement, and once the claim is agreed, we coordinate trusted contractors to restore your property to its pre-loss condition. If hidden damage is discovered during repairs, we liaise with the insurer to ensure it is added to the claim.
Throughout the process, there is no need for you to chase insurers, contractors, or paperwork, APC handles everything from start to finish.
Our Team
Our team consists of skilled claim specialists who take pride in supporting clients through every stage of a flood damage claim. From the first inspection to the final repair, we ensure that each client receives expert attention and care throughout the claims process.
Abhijeet Singh
Claims Manager
Matthew Farthing
Claims Manager
Sheriece Connally
Contracts Manager
Customer Testimonials
Lara – October 2025
★★★★★
All Property Claims is unlike any other company I’ve used before. Their support is second to none, especially when dealing with insurance issues. I’ve never regretted using them; they’ve been absolutely invaluable. Their tradespeople are professional, efficient, and complete work…
Eloise – September 2025
★★★★★
I can’t thank All Property Claims enough for their outstanding service. After experiencing a devastating flood, they guided me seamlessly from the chaos to resolution. Their expertise, dedication, and support made all the difference in restoring normalcy. Highly recommend!
Matteo B – April 2025
★★★★★
Allpropertyclaims was instrumental in ensuring the damage from a leak was properly assessed, investigated and repaired. They were really supportive throughout the lengthy process of dealing with the insurance, and took the lead in dealing with a particularly challenging…
Flood Damage Insurance Claims Case Studies
Flooding in Residential Property
Incident
During a period of severe rainfall in London, our client’s ground-floor living room, hallway, bedroom, and bathroom were submerged under approximately two inches of water. She reported the incident to her insurer immediately, but by the time the loss adjuster attended, the floodwater had already receded. The adjuster concluded that only superficial drying and redecorating were needed.
Client Concerns
A musty smell lingered throughout the home and mould had begun to appear. The homeowner feared that a simple dry-out and repainting would fail to address moisture trapped in the walls and floors. She was worried about long-term structural deterioration and did not feel the insurer’s initial assessment reflected the seriousness of the damage.
How APC Handled the Claim
We installed drying equipment and treated the affected areas to prevent further deterioration. The insurer’s loss adjuster continued to minimise the extent of the damage, so we escalated the matter through a formal complaint. This resulted in the appointment of a new adjuster, who agreed that walls needed to be hacked off to a height of one metre and that all damaged flooring should be replaced.
When the insurer attempted to close the claim with a full cash settlement, we insisted it remain open until repairs were completed, ensuring newly discovered issues, such as rotten stud walls, were included. The property was fully reinstated, and all necessary variations were approved under the claim.
Before:
Work In Progress:
After:
Flooded Basement Flat
Incident
After heavy rainfall, water backed up through external drains and flooded a basement flat in London. The client was overseas at the time, and returned a week later to find moisture throughout the property and a persistent damp odour.
Client Concerns
The insurer questioned whether the property had been unoccupied for more than 30 days, which could have restricted cover. The homeowner was concerned that his expensive finishes and continuous wood flooring might not be reinstated correctly, particularly if the insurer only agreed to repairs in the visibly affected areas.
How APC Handled the Claim
We provided evidence confirming the client had only been away for a short holiday and therefore had not breached any unoccupancy policy terms. We reviewed the policy wording and challenged the insurer’s attempt to only replace the visibly damaged flooring. Since the wood flooring ran continuously into a cloakroom, replacing a section would have created a visible and unacceptable threshold.
While negotiations were ongoing, we removed all wet floor coverings and commenced structural drying to prevent secondary damage. The insurer ultimately agreed to replace all continuous flooring and the flat was restored to its pre-loss condition.
Before:
Work In Progress:
After:
Flood Damage in Family Home
Incident
A lower ground-floor family room in a large residential property was affected by floodwater following heavy rain. Several neighbouring properties experienced similar issues.
Client Concerns
The homeowner had a demanding workload and lacked the time to organise quotations, meet contractors, or negotiate with the insurer. He needed the claim to progress smoothly and repairs completed before Christmas, as the space was needed for visiting family.
How APC Handled the Claim
We prepared a detailed scope of work and requested an urgent meeting with the insurer’s loss adjuster. While awaiting approval, we carried out the strip-out and began structural drying to prevent deterioration and avoid unnecessary delays.
During the site meeting, we highlighted that the affected family room walls connected continuously to the staircase and entrance hallway, meaning decoration would need to extend beyond the immediate flood area to maintain a consistent finish. After negotiations, the insurer agreed.
By the time the claim was approved, drying was complete and restoration began immediately. The property was fully reinstated well before Christmas, and the client was delighted with the outcome.
Before:
Work In Progress:
After (Drying in Process):
Flooding in Residential Property
Flooded Basement Flat
Flood Damage in Family Home
Case Study: Flooding in Residential Property
Incident
During a period of severe rainfall in London, our client’s ground-floor living room, hallway, bedroom, and bathroom were submerged under approximately two inches of water. She reported the incident to her insurer immediately, but by the time the loss adjuster attended, the floodwater had already receded. The adjuster concluded that only superficial drying and redecorating were needed.
Client Concerns
A musty smell lingered throughout the home and mould had begun to appear. The homeowner feared that a simple dry-out and repainting would fail to address moisture trapped in the walls and floors. She was worried about long-term structural deterioration and did not feel the insurer’s initial assessment reflected the seriousness of the damage.
How APC Handled the Claim
We installed drying equipment and treated the affected areas to prevent further deterioration. The insurer’s loss adjuster continued to minimise the extent of the damage, so we escalated the matter through a formal complaint. This resulted in the appointment of a new adjuster, who agreed that walls needed to be hacked off to a height of one metre and that all damaged flooring should be replaced.
When the insurer attempted to close the claim with a full cash settlement, we insisted it remain open until repairs were completed, ensuring newly discovered issues, such as rotten stud walls, were included. The property was fully reinstated, and all necessary variations were approved under the claim.
Before:
Work In Progress:
After:
Case Study: Flooded Basement Flat
Incident
After heavy rainfall, water backed up through external drains and flooded a basement flat in London. The client was overseas at the time, and returned a week later to find moisture throughout the property and a persistent damp odour.
Client Concerns
The insurer questioned whether the property had been unoccupied for more than 30 days, which could have restricted cover. The homeowner was concerned that his expensive finishes and continuous wood flooring might not be reinstated correctly, particularly if the insurer only agreed to repairs in the visibly affected areas.
How APC Handled the Claim
We provided evidence confirming the client had only been away for a short holiday and therefore had not breached any unoccupancy policy terms. We reviewed the policy wording and challenged the insurer’s attempt to only replace the visibly damaged flooring. Since the wood flooring ran continuously into a cloakroom, replacing a section would have created a visible and unacceptable threshold.
While negotiations were ongoing, we removed all wet floor coverings and commenced structural drying to prevent secondary damage. The insurer ultimately agreed to replace all continuous flooring and the flat was restored to its pre-loss condition.
Before:
Work In Progress:
Before:
Case Study: Flood Damage in Family Home
Incident
A lower ground-floor family room in a large residential property was affected by floodwater following heavy rain. Several neighbouring properties experienced similar issues.
Client Concerns
The homeowner had a demanding workload and lacked the time to organise quotations, meet contractors, or negotiate with the insurer. He needed the claim to progress smoothly and repairs completed before Christmas, as the space was needed for visiting family.
How APC Handled the Claim
We prepared a detailed scope of work and requested an urgent meeting with the insurer’s loss adjuster. While awaiting approval, we carried out the strip-out and began structural drying to prevent deterioration and avoid unnecessary delays.
During the site meeting, we highlighted that the affected family room walls connected continuously to the staircase and entrance hallway, meaning decoration would need to extend beyond the immediate flood area to maintain a consistent finish. After negotiations, the insurer agreed.
By the time the claim was approved, drying was complete and restoration began immediately. The property was fully reinstated well before Christmas, and the client was delighted with the outcome.
Before:
Work In Progress:
After (Drying in Progress):
Frequently Asked Questions
We know insurance claims can feel overwhelming, especially if it’s your first time dealing with one. That’s why we’ve put together this FAQ section – to answer common questions, explain the process in plain English, and show how our expertise makes the journey smoother and less stressful for you.
Do insurance companies pay out for flood damage?
Yes, most home insurance policies cover flood damage caused by rivers overflowing, surface water, or heavy rainfall.
Claims depend on policy terms, your flood-risk area, and confirmation that the damage was caused by an insured flood event.
Can insurance cover flood damage?
Yes, buildings and contents insurance can cover damage caused by flooding, including repairs and replacing affected items.
Coverage varies by insurer and location, so it’s important to check any flood-risk exclusions or special terms on your policy.
Is it worth claiming on home insurance for water damage?
Yes, usually if there is water damage, there will be need for structural drying before any reinstatement works can begin. You have been paying premiums for months and years so you could be protected from situations like this
We’ll Handle Your Claim and Your Repairs
If your property has been flooded, you do not need to deal with insurers alone. At APC, our FCA-regulated team ensures that your flood damage claim is managed properly and that your home or business receives the restoration it needs.
Call us today to speak with our claims team or request support online and we’ll get back to you promptly.