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Commercial Flood Insurance Claims

The expertise you need to get the best result

Even a minor flood can have a big impact on your business and can be hard to recover from.

Unfortunately, dealing with an insurance claim is only likely to compound the stress you are under and could lead to a long drawn out process that doesn’t get you the result you were hoping for.

Why Use Us?

The moment you make a claim, your insurers will work with experts like building surveyors to find a reason to minimise how much they pay you. They will appoint loss adjusters who will scrutinise your policy to find any way you may not have complied with it.

The vast amount of expertise and resources at their disposal can leave you feeling vulnerable which is why using our team of professionals is invaluable.

As the UK’s most experienced team of insurance consultants we have what it takes to deal with complex business claims. We will give you the best possible chance of getting a fair settlement.

How We Will Help You

Our team of experienced in-house experts will make sure every aspect of your insurance claim is dealt with professionally and thoroughly. They will use their skills to:

  • Organise emergency works to secure your property and repair any damage to it.
  • Manage contractors working on your property and arrange high quality clean-up services at a fair price.
  • Co-ordinate your insurer and their loss adjusters, making sure you get the settlement you are entitled to, whether that’s reinstatement or cash. They will think outside the box and present you with all the possible options.
  • Deal with all aspects of preparing, presenting and negotiating your claim.
  • Scrutinise your policy wording and advise you on any issues which may affect liability, such as compliance with warranties and conditions.
  • Get insurers to accept liability as soon as possible, so we can arrange interim payments to maintain your cash flow.
  • Demonstrate the economic viability of ‘increased costs of working’ coverage.
  • Identify items loss adjusters would not point out like retrospective discounting and promotions.
  • Investigate the full extent of the damage, including any invisible impact, so you don’t face more problems in the future. To do this, they will thoroughly investigate the source of the flooding and any possible contamination.
  • Help you choose and appoint specialist surveyors if external assistance is needed, so you can avoid the insurance companies’ supply chains, since they won’t work in your best interests. We’ll even supervise these parties throughout the project, so everything is looked after for you and there are no surprises.
  • Appoint our qualified loss assessors to handle your stock, contents and other material losses.
  • Appoint our chartered surveyors to quantify the impact on the building itself and our chartered accountants to put together your business interruption claim.




At this point, you would hope that your insurance company is there to help but unfortunately this is not the case. We have known families who have felt intimidated by insurers and have been treated as though they have done something wrong, or are in some way to blame for their situation.

  • Over 5000
    Successful Claims
    As the UK’s leading insurance claims consultants, you can be confident you have the best team on your side
  • Best Assessors
    Unlike other parties involved in the claims process, you are our sole priority
  • Minimise Stress
    Keep stress to a minimum by managing all aspects of the claims process
  • Get your entitlement
    Get the compensation you are entitled to by negotiating with insurers on your behalf
  • Get your life back
    Get back to normal life as quickly as possible by organising any support you need


Hassle free, no obligations is how we operate. So if you’d like to speak to us call our 24/7 Helpline on 03300229179 or email us at info@harrisbalcombe.com. Or simply click the button below ...