Business flood claim: overturning insurer’s refusal to accept liability

July 25, 2016 5:49 am

We’ve been helping a lot of homeowners and businesses affected by the winter floods with their insurance claims. Sometimes these claims are more complicated than others, particularly when something crops up which no one could have predicted.

One such case happened with a business claim we handled for a bed centre based on the ground floor of a converted mill near Rochdale in Lancashire. A nearby river burst its banks and water poured through the premises. On the surface it seemed like a simple claim for stock, contents and business interruption – but then something in the claimant’s past led to the insurer refusing to accept liability.

Interestingly, the business owner came to us in the first place because he had made a flood claim in the past and couldn’t face doing it alone again. He told us: “I had to make a very similar claim a couple of years ago and I was chronically ripped off. We lost out on a lot because we didn’t know what we were doing. We needed someone who could stand up for us and ensure we received everything we were entitled to.”

So when this additional issue cropped up, we were already on hand to argue on his behalf – and we successfully overturned the insurer’s attempt to refuse to pay out.

You can read the full story here.