Claiming and Cleaning Up After a Flood
The recent weather has caused a huge influx in insurance claims being made and as a result it is worth considering the facts about making an insurance claim.
Whether the flood has been caused by a river bursting its banks or a burst pipe, you will never be quite prepared for the amount of water and the damage that it can cause and leave behind.
Before you can even consider gong back into your property you must be aware that wherever this water has come from, it will be contaminated with sewage and pollutants that the swell has picked up on its way. With this in mind you should approach with caution and where possible enlist the professionals to help with the clean up, drying and sanitising process.
At this stage it is prudent to mention that the drying out of a property can be a tricky process and is best left to those who know what they are doing. If a building is dried too quickly or too much heat is used, then shrinking can occur and if the drying is not carried out thoroughly enough before the repairs begin, you can incur problems with dry rot. It is important to understand that should these problems occur as a direct result of the drying then the damage, which can sometimes be worse than that caused by the flood, is not covered by your insurance.
When you call your insurance company they will send a loss adjuster. They work for your insurance company and are only interested in looking at the claim and how much it is going to cost them, even if they seem like they understand your circumstances.
If you appoint a loss assessor like AKA Assisted Claims, they work on your behalf to make sure that you get what you are entitled to and not what your insurance company believes to be fair. Working with a loss assessor like AKA Assisted Claims means that your interests are personally looked after and this is the best way of ensuring that your life is put back to normal as quickly as possible.
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