Commercial Flood Damage Claims
Commercial Flood & Water Damage Insurance Claim
Flooding leaves damage long after the water recedes: contamination, saturated structures and ruined stock. We document the full extent of the loss and recover it, including the income you lose while you dry out and rebuild.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
Why Flood Claims Are Complex
Flood damage costs far more than the clean-up
Commercial flood damage is rarely as simple as cleaning up and reopening. Floodwater carries contamination, soaks into structures and fittings, and destroys stock and equipment. The true cost emerges over weeks, and insurers tend to anchor on an early, low figure. We build the claim around the full extent of the loss, not the surface of it.
Policy wording also matters: external flooding and internal escape of water are covered under different sections, with different conditions. Documenting the cause and extent accurately is what protects your entitlement, which is why specialist preparation makes the difference between a written-down offer and a full settlement.
- Hidden damage below floors and inside walls is easily missed
- Controlled drying can take weeks before rebuilding can begin
- Contamination means materials often cannot simply be dried and reused
- Lost income while you are closed is recoverable, but must be proven
What We Cover
Every category of flood & water loss
A proper flood claim runs across the whole business, not just the visible water line. We build and value each head of loss, from structural drying and strip-out through to the income lost while you are closed.
- Structural drying & strip-out of walls, floors and fittings, reinstated to current building regulations
- Contents & stock valued correctly, resisting excessive depreciation on low-level losses
- Electrics & plant, from submerged wiring and boards to refrigeration and machinery
- Contamination, clean-up & mould, including secondary damage that appears weeks later
Drying and reinstatement can keep you closed or trading at reduced capacity for a long time. That lost income is recovered through your business interruption cover, which we quantify and prove.
How It Works
From first call to full settlement
We attend quickly, record the cause and full extent of the damage, build a detailed schedule and negotiate the claim through to settlement.
We attend your premises quickly and record the cause and full extent of the damage before anything is stripped out.
We prepare a detailed schedule covering structure, contents, stock, plant and lost income, and review your policy wording.
We lodge the claim and negotiate directly with the insurer’s appointed loss adjuster on your behalf.
We pursue the best possible settlement of your entitlement so you can dry out, rebuild and reopen.
Why Choose Us
Specialist flood claims, handled by chartered surveyors
The insurer appoints a loss adjuster to act in their interest. We act solely for the policyholder, documenting and valuing the loss so it is settled in full, not written down.
- Central Bank regulated, led by Trevor Kelly MSCSI MRICS, Reg. No: C423441
- We work for you, never for the insurer who appointed the loss adjuster
- No win, no fee, with our fee a percentage of the final settlement, agreed in advance
- Read more about what a commercial loss assessor does
Related Claims
Other commercial damage we handle
Flooding is often part of a wider event. If your loss falls under another head, we manage those claims too. We capture secondary damage such as mould and ongoing deterioration that appears weeks after the flood, so it is settled rather than left to recur.
See our guides to commercial fire damage claims and commercial property insurance claims, or learn more about how a commercial loss assessor protects your entitlement.
Call Us Nowacross Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee.
Client Feedback
Trusted by business owners across Ireland
Our unit flooded overnight and the insurer’s first figure did not come close. They found water damage under the floor we never knew was there and got the income we lost while closed paid in full.
A burst pipe soaked the whole ground floor over a weekend. They handled every call with the insurer and pushed back on the depreciation on our stock. We could finally focus on getting back open.
Common Questions
Your questions, answered
We work on a no win, no fee basis. Our fee is a percentage of the final settlement, agreed with you in advance and in writing. There is nothing to pay up front, and if there is no settlement, there is no fee. We confirm everything before you commit to anything.
Make the building safe and protect anyone on site first, then photograph and video everything before it is moved, cleaned or stripped out. Do not throw away damaged stock or fittings until they are recorded. Call us early: the cause and extent of the damage are far easier to document while the evidence is still in place.
Yes. External flooding and internal escape of water, such as a burst pipe or a leaking tank, are usually covered under different sections of the policy, with different conditions and excesses. Identifying and documenting the correct cause is important, because it affects how the claim is presented and what you are entitled to. We review your wording and present the claim correctly.
Floodwater soaks into structures and often carries contamination, so materials frequently cannot simply be dried and reused. Controlled drying can take weeks before rebuilding can begin, and secondary damage like mould can appear later. We document the full extent, including hidden and delayed damage, so it is accounted for in the settlement rather than discovered after the claim closes.
Yes, we manage the claim end to end. We prepare and lodge the claim, then negotiate directly with the insurer’s appointed loss adjuster on your behalf. You stay informed throughout, and we pursue interim payments where possible so cash flow is not held up while the claim runs its course.
It varies with the complexity of the loss, the drying period and how the insurer responds. We cannot guarantee a timeframe, but we keep the claim moving, chase the insurer and pursue interim payments where possible so you are not left waiting on the full settlement to fund recovery.
Yes. We can review a claim that is already under way, including one where the insurer has already made an offer. We will look at the policy and the figures and tell you honestly whether more can reasonably be pursued before you accept anything.
We act for businesses across Ireland nationwide. We are based in Rush, Co. Dublin, and regularly attend commercial flood and water damage claims throughout Dublin, Leinster and the rest of the country.
Flooded premises?
Talk to us before you strip anything out
Document the damage first. Call us and we will guide you through it. Free, no obligation, and no win, no fee.
