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How to make a business flood insurance claim

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.

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