• Landlords
  • Fire
  • Flood
  • Escape of Water
  • Storm
  • Malicious Damage and riots

Escape of Water, Irlam, Manchester


A burst pipe had caused considerable water damage throughout this Irlam property and having never made a claim of this nature before, the family were confused and apprehensive about the process.

The Incident

The first encounter with their insurance company was in the form of their appointed Loss Adjuster.

The Challenge

From the outset the Adjuster grossly underestimated the seriousness of the damage and as a result undervalued the claim. He spent a very short time in the house, dismissed the family’s concerns and advised that they would send one of their builders round who would simply ‘patch up’ the walls. The insurance company insisted on fans being placed in the property straight away but failed to carry out a drying plan and assessment.

The works were valued initially by insurers at around £16,000.00. Their proposal had various omissions and the Loss Adjuster refused the family any reconsideration. The family were in a complete state of upset, thinking that they were bound to their insurers’ contractors proceeding with the limited proposed works.

Harris Balcombe were appointed following the family’s online research into Loss Assessors.

Harris Balcombe used their own independent panel of contractors, surveyors and restoration specialists to provide an assessment on the escape of water.

As insurers viewed the claim to be ‘low value’ the appointment of a building surveyor was initially declined but HB Technician; Rosie O’Neill, persisted and made them see that a surveyor on this claim was imperative. A full schedule of works was drawn up and revealed the level of inaccuracies and omissions from the Loss Adjuster’s first assessment.

Harris Balcombe also had an independent restoration company attend and assess the property to propose a drying programme.

On this occasion a cash settlement was negotiated for the client at just under £70,000.

Client Comments

The family have stated that “we would not be in the position we are now if it wasn’t for Harris Balcombe.” They are now able to get their home repaired and continue with their lives.




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 ...