Domestic flooding – speedy settlement to get life back to normal quickly

Location Essex

Customer Mr Baker

While having a brook running through the bottom of the garden is attractive, it can pose a risk after heavy rain. Fourteen years previously, the brook at the bottom of the Bakers’ garden had flooded and the house had been inundated with water. This had culminated in long and difficult negotiations and months out of their house.

When the brook burst its banks again and flooded their house, the Bakers quickly realised they faced months of misery again unless they sought professional help. They therefore contacted Morgan Clark to handle the claim on their behalf.

The claim

The Morgan Clark team put together a detailed claim for alternative accommodation, damaged building and contents. As the Bakers had previous experience of such losses, they were familiar with many of the areas the claim could cover. However Morgan Clark extended this further: for example, it included items which had been in the garden shed, and shoes stored in the downstairs cupboard, all of which would have to be replaced.

The results

Morgan Clark’s claim covering alternative accommodation, repairs to the house and the loss of contents was accepted in full by the insurers. As well as payment for the refurbishment, the Bakers received a substantial lump sum to replace everything they had lost. Most importantly, the family could move back into the property very quickly.

The value of using Morgan Clark was demonstrated by the experience of the Bakers’ neighbours. A family living in a property three doors away only moved back into the property 12 months after the flood: a substantial time after the Bakers.

No matter what has caused the damage to your home, Morgan Clark will guide you through the insurance claim process and ensure you are back in your home as quickly as possible while ensuring you receive the full settlement you’re entitled to. Contact our Essex Loss Assessors today to find out more.

More Case Studies

London

Managing Extensive Water Damage in a Period Property

"Morgan Clark was recommended to an elderly and vulnerable client in Wanstead, East London, after their period property suffered significant water damage due to a burst pipe over the Christmas period. The property, a four-bedroom detached house with o..."

Read more

Cambridge

Fire damage in thatched cottage

"Mr and Mrs Hampshire suffered a fire at their thatched cottage, which started in the middle of the night when the family were asleep. The accidental fire was caused by a lighter being ignited, which resulted in blankets and pillows catching fire and ..."

Read more

Cumbria

Flooded bakery in Kendal: £100,000 insurance claim for machinery, st...

"Ginger Bakers is a very successful specialist cake producer based in Kendal, Cumbria, supplying commercial outlets across the country. When Storm Desmond wreaked havoc across the north of England in December 2015, the bakery’s leased premises were ..."

Read more

Cumbria

Flooding at kitchen worktop manufacturer: £1.2 million claim

"Stoneworld is a very successful manufacturer of quartz and granite kitchen worktops, importing expensive materials from across the world and using sophisticated precision cutting machinery. Based in Kendal, Cumbria, it distributes its high-end produc..."

Read more

Carlisle

Using Morgan Clark a second time for flood insurance claim

"When the river Eden flooded in Carlisle in 2005, water poured through David Allen’s substantial five-bedroomed semi-detached home. There was extensive damage throughout the downstairs which was likely to result in an insurance claim of around £100..."

Read more

Doncaster

Flooding – £630,000 business interruption claim

"In 2007, the town of Doncaster was hit by two floods in very quick succession. A large trading estate was very badly affected, including a successful steel processing and stockholding company. Three of its industrial units on the estate were contamin..."

Read more