Flood Damage Insurance Claims: Expert Guidance from Veritas Surveying
Flood Damage Insurance Claims: Expert Guidance from Veritas Surveying
Introduction: Understanding Flood Damage in the North West
Flooding is a growing concern for property owners across the UK, particularly in regions like Cheshire and Greater Manchester. With climate change contributing to more frequent and severe weather events, the risk of flood damage is increasing. Whether caused by surface water, overflowing rivers, or drainage failures, the impact on homes and businesses can be devastating.
At Veritas Surveying, we provide expert support for flood damage insurance claims, helping property owners navigate the complexities of assessment, reporting, and reinstatement. In addition, we also support insurers, local authorities and solicitors on a national basis with recoveries against Water Companies producing CPR Part 35 reports and evaluating claims; previous claims have included South East Water, United Utilities, and Thames Water.
What Is a Flood Damage Insurance Claim?
A flood damage claim refers to damage caused by water entering a property from external sources, such as:
- River or coastal flooding
- Surface water run-off
- Sewer or drainage system overflow
- Flash flooding due to heavy rainfall
This differs from an escape of water claim, which involves internal leaks from plumbing or appliances.
Common Types of Flood Damage
- Structural damage to walls, floors, and foundations
- Contamination from sewage or pollutants
- Electrical system faults
- Damage to fixtures, fittings, and personal belongings
- Long-term issues such as damp, mould, and timber decay
How Veritas Surveying Supports Flood Claims
Our insurance claims surveying services are designed to provide clarity and confidence during what can be a stressful time. We offer:
- Initial Site Inspection: We assess the extent of flood damage, including hidden structural issues and contamination risks.
- Causation and Policy Review: We help determine whether the damage is covered under your insurance policy and identify any exclusions or limitations.
- Reinstatement Cost Estimates: We produce detailed cost schedules for repairs and restoration, including drying, decontamination, and rebuilding.
- Independent Reporting: Our impartial reports are trusted by insurers, loss adjusters, and solicitors, ensuring transparency and accuracy.
- Project Management: We can oversee the reinstatement process, working with contractors to ensure quality and compliance. Learn more about our project management services.
Working with Insurers, Solicitors, and as Expert Witnesses
Veritas Surveying has extensive experience working with leading insurance companies and solicitors across the UK. Our team provides:
- Independent assessments for insurance claims
- Technical reports for legal proceedings
- Expert witness services in property disputes and litigation
- Support for mediation and tribunal hearings
Our professional reputation is built on accuracy, impartiality, and clear communication, making us a trusted partner for legal and insurance professionals.
Flood Risk in Cheshire and Manchester
Areas such as Sale, Altrincham, Wilmslow, Stockport, and parts of Manchester city centre are known to be at risk of flooding due to proximity to rivers and ageing drainage infrastructure. Property owners in these regions should be aware of:
- Local flood maps and risk zones
- Environment Agency flood alerts
- Preventative measures such as flood barriers and sump pumps
- The importance of regular property maintenance and drainage checks
Tips for Flood Preparedness
- Check your insurance policy for flood cover
- Install flood-resistant doors and air brick covers
- Keep valuables and electricals above ground level
- Maintain gutters, drains, and soakaways
- Know your local flood warning system
Why Choose Veritas Surveying?
- RICS-accredited surveyors with flood damage expertise
- Fast response across Cheshire, Manchester, and the North West
- Independent and impartial advice
- Trusted by insurers, solicitors, and property owners
- Clear communication and professional service
Explore our full range of property surveying services.
Contact Us
If your property has been affected by flooding — or you want to prepare for future risks — contact Veritas Surveying today.
Call us: 0161 298 1003
Email: [email protected]
Visit: www.veritassurveying.co.uk/contact
