How to make a business flood insurance claim

Published September 5, 2012

Read time 1 mins

Find in this article:

Thousands of businesses have been hit by flooding over the last year, and the pattern is unlikely to change. A commercial insurer has issued valuable advice to businesses who have to make an insurance claim following a flood.

Swinton Commercial has offered the following tips to businesses:

  • Report damage to your insurer as soon as possible to speed up the claims process. Check your policy documents to make sure you adhere to any specified time limits for reporting damage.
  • Salvage important documents such as your insurance policy and inventory of key possessions.
  • Make a record of flood damage and even consider taking photos or videos of the damage. Mark the highest flood water level in each room with a marker pen, and make a detailed record of all damage to your premises and equipment.
  • Don’t try to clean up your premises or discard damaged items until your insurer has been informed.
  • If assistance is needed in preparing your claim, then consider getting an independent appraisal for repair costs, replacement stock and equipment.


Morgan Clark has worked with a wide range of businesses who have suffered flooding, to help them compile their insurance claim. You can find out more by visiting our business flood and water insurance claims service and also by reading some of our case studies.

Related Posts

December 2020

Flood insurance claim examples

We’ve compiled the following examples of flood insurance claims to illustrate some of the types of claims we encounter, the various ways we help our clients, and the results we achieve. For more examples of flood claims, and other types of insurance claims we’ve managed on behalf of our clients, visit our insurance case studies...

Read More

November 2020

The role of the Loss Assessor in a flood insurance claim

Managing a flood insurance claim can be an extremely complicated affair, which is in turn time consuming and stressful for the individual responsible for managing the claim. A Loss Assessor alleviates this stress by managing the whole claims process on your behalf. As part of the claims management service, a Loss Assessor will typically offer...

Read More

October 2020

Preparing a flood emergency kit

Clear thinking can be difficult in a crisis situation. Therefore, we’ve prepared a basic list of some items that you might like to have on hand before and during a flood. A basic emergency flood kit should include the following items: If you have any questions regarding a potential or ongoing flood insurance claim, please...

Read More

We are authorised & regulated by the Financial Conduct Authority (FCA)

This means our clients are protected. You can trust the professionals managing your claim as we are regulated to the FCA’s strict standards and codes of conduct.

Authorised & Regulated by the Financial Conduct Authority

Reference Number 309575

We will help you get back into your property as quickly as possible, ensuring you receive the full settlement you're entitled to

24/7 support

Send Enquiry

Your claim is in safe hands