Help at hand for flood victims

Shropshire businesses affected by flooding should not dread a visit from the loss adjusters as their support could turn out to be a real blessing. 

Dave Williams, from Henshalls Insurance Brokers in Newport and Shrewsbury, said many business and property owners were likely to have to cope with flooding problems at this time of year. 

“When your business premises are affected by flooding, it’s often the practical help and advice you receive in the early days that will influence the eventual outcome of your insurance claim," he said. 

Dave said loss adjusters would only be appointed by your insurer if the extent of the damage was so severe that an on-site investigation was needed.

“It’s in your best interest to assist the loss adjuster as they are in control of the flow of information to your insurers and can speed up the progress of your claim," he continued.

"They have been through the claims process before many times, and so you should try to use their knowledge and experience to your advantage. 

“They will also be able to put you in contact with local specialists to help minimise the impact of the flood on your business and to help you start the recovery process.” 

Dave said loss adjusters would have access to specialists who could organise for any water to be immediately removed, install equipment to reduce humidity and minimise mould damage, and reduce overall drying out times by using dehumidifiers and industrial dryers. 

“If your business relies on sensitive paperwork such as corporate documents, medical records or blueprints, the adjuster will have details of companies who specialise in recovering documents damaged by water or mould," he said.

“They may also have a network of contractors with pre-agreed rates which could help you avoid a long competitive tender process for the repair work that needs to be done. 

“But remember, ultimately you know your business best, so you should consider all available claims options – maybe you’d prefer a cash settlement, or you’d like to restart your business somewhere else? 

“There may be alternative ways of settling a claim, so make sure you explore all the possible solutions, and work with the loss adjusters to speed up the daunting process.”