Flood and Storm Damage Claims
Disputes involving floodwater, storm damage, roof damage, causation, maintenance allegations, repair scope and settlement value.
Explore flood and storm claimsInsurance claim support
Insurance Claim Types We Can Help With
From flood, fire and escape of water to theft, vehicle and subsidence claims, we help policyholders understand disputed insurance decisions and identify the strongest available route forward.
Find your claim type
Select the event or damage involved
Choose the category that most closely matches your claim. Each guide explains common reasons insurers reject, reduce or delay these claims and the issues that may need to be examined.
Escape of Water and Leak Claims
Claims involving burst pipes, hidden leaks, trace and access, drying, gradual-damage arguments and disputes about reinstatement.
Explore escape of water claimsFire and Smoke Damage Claims
Disputes concerning the cause of a fire, smoke contamination, policy conditions, valuation, rebuilding costs and claim delays.
Explore fire and smoke claimsTheft and Burglary Claims
Claims involving forced-entry evidence, security requirements, ownership, high-value possessions, valuations and alleged breaches.
Explore theft and burglary claimsStolen Vehicle and Car Theft Claims
Disputes about vehicle theft, key evidence, security systems, vehicle value, non-disclosure allegations and insurer investigations.
Explore stolen vehicle claimsSubsidence and Ground Movement
Claims involving cracking, foundations, trees and roots, monitoring, causation, repair methods and the insurer’s proposed scope of work.
Explore subsidence claimsOther Insurance Claim Types
Your claim may involve accidental damage, malicious damage, impact, contents, specialist property or another insured event. If it does not fit neatly into one category, we can still review it.
The other half of the picture
The claim type tells us what happened. The dispute tells us what went wrong.
Two policyholders can experience the same loss but face very different insurance disputes. We look beyond the event itself to the policy wording, the insurer’s reasoning and the evidence being relied upon.
View all claim disagreements
Claim rejected
The insurer says the policy does not respond.
Underpaid or low offer
The settlement does not reflect the loss.
Delayed or stalled
The claim remains unresolved without progress.
Policy exclusion dispute
An exclusion is being used to limit cover.
Non-disclosure allegation
The insurer alleges information was withheld.
Underinsurance dispute
The insurer applies an average or reduction clause.
A focused review
What we examine when an insurance claim is disputed
A fair assessment depends on more than the insurer’s final letter. We examine the connected issues before explaining the available options.
The policy wording
The insured event, relevant definitions, exclusions, conditions and any endorsements that may affect cover.
The insurer’s reasoning
The precise basis for rejecting, reducing or delaying the claim and whether the position follows the policy and available facts.
The evidence and valuation
Reports, photographs, correspondence, estimates, invoices and valuations that support the cause and financial extent of the loss.
The strongest route forward
This may involve a structured challenge, formal complaint, Financial Ombudsman Service referral or litigation support, depending on the circumstances.
Start with a free review
A clear first step, whatever the claim type
You do not need to diagnose the legal or technical issue before contacting us. Start with the facts and documents you already have.
Tell us what happened
Explain the insured event, the insurer involved and what has gone wrong with the handling or outcome of the claim.
We review the position
We consider the policy, insurer correspondence and key supporting evidence to understand the real points of dispute.
Understand your options
We explain whether we may be able to assist, the route that appears strongest and what the next stage could involve.
Claim type questions
Frequently asked questions
Practical answers about choosing a claim category and starting a review.
What types of insurance claims can you review?
We consider enquiries involving flood, storm, escape of water, fire, smoke, theft, burglary, stolen vehicles, subsidence and a range of other insured events. Whether we can assist depends on the policy, the dispute and the evidence available.
Can you help with both home and vehicle insurance claims?
Yes. We review disputes involving household buildings and contents policies as well as stolen vehicle and car theft claims.
What if my claim type is not listed?
The list is not exhaustive. Visit Other Insurance Claim Types or begin a free review and explain what happened. We can then consider whether the enquiry falls within the areas we may be able to assist with.
Does it matter whether the claim was rejected or underpaid?
Both can give rise to a dispute. A rejection concerns whether the insurer accepts cover, while an underpayment dispute usually concerns the value, scope or method of settlement. Some claims involve both issues.
Can you review a delayed insurance claim?
Yes. If your insurer has repeatedly requested information, left the claim under investigation or failed to reach a decision, see our guide to delayed and stalled insurance claims.
What documents should I provide?
Useful documents include the policy schedule and wording, the insurer’s decision or latest correspondence, reports, photographs, estimates, invoices, valuations and a short timeline of events.
Is the initial claim review free?
Yes. The initial review is free. We will consider the information provided and explain whether we may be able to assist and what the next stage could involve.
Could my insurance dispute require litigation?
Some disputes can be progressed through correspondence, negotiation or a formal complaint. Others may require litigation support or advice from a specialist barrister. The appropriate route depends on the value, legal issues, evidence and applicable deadlines.