Property Damage
Claims specialist category
Fire, flood, storm, subsidence, or other damage to your property. If your insurer has rejected or undervalued your claim, or a third party is responsible, our specialists can help.
What Is Property Damage?
Property damage covers a wide range of incidents — fire, flood, escape of water, storm damage, subsidence, impact damage, and more. Whether the damage was caused by a natural event, an accident, or someone else's negligence, you may be entitled to claim the full cost of repairs plus compensation for related losses such as alternative accommodation. If your insurer has rejected, delayed, or undervalued your claim, a specialist can help you challenge their decision. You may also have a direct claim against a responsible third party.
What Type of Specialist Can Help?
Property damage claims are handled by property damage solicitors, loss assessors, insurance claims specialists, and surveyors. A loss assessor works for you — not the insurance company — to make sure every item of damage is documented and valued properly. Specialist solicitors can pursue claims against insurers, landlords, neighbours, contractors, or other responsible parties through negotiation or court proceedings.
What Information Do You Need?
You will need your property address, details of how and when the damage occurred, who you believe is responsible and why, any photographs or videos of the damage, and any insurance policy details if you have made or intend to make a claim. Our simple enquiry form takes just a few minutes to complete.
Common Causes of Property Damage
Property damage can occur through: fire (electrical faults, arson, neighbouring fires), flooding (burst pipes, heavy rainfall, river/coastal), storms and extreme weather, escape of water from plumbing, subsidence or ground movement, impact damage (vehicles, falling trees), vandalism, and damage from neighbouring building works.
Am I Eligible to Make a Claim?
You may be eligible if: your property has been damaged, you have an insurance policy that should cover the damage but the insurer has rejected or undervalued your claim, or a third party was responsible for causing the damage.
Evidence You Will Need
Photographs and videos of damage from multiple angles, insurance policy documents, claim reference and insurer correspondence, quotes for repairs, receipts for emergency work or temporary accommodation, and evidence of the cause of damage.
Time Limits to Be Aware Of
Notify your insurer immediately — most policies require notification within 180 days. Legal claims against insurers — six years from date of loss. Claims against third parties — six years from date of damage.
The Typical Property Damage Process
(1) Document damage thoroughly. (2) Notify insurer. (3) If claim rejected or undervalued, specialist reviews policy and decision. (4) Loss assessor independently values damage. (5) Negotiation with insurer or third party. (6) Legal proceedings if needed.
What Outcomes Can You Expect?
Full cost of repairs or reinstatement, temporary accommodation compensation, contents replacement, and compensation for all consequential losses if claiming against a third party.
Frequently Asked Questions About Property Damage
What if I do not have insurance?
If the damage was caused by a third party, you may still be able to bring a claim against them directly. If it was a natural event and you were uninsured, you may need to cover costs yourself.
Should I start repairs before the insurer has assessed the damage?
Take reasonable steps to prevent further damage, but do not begin permanent repairs until the insurer has inspected unless there is an immediate safety risk. Keep receipts for emergency work.
Related Claim Categories
Ready to Get This Sorted?
Tell us what happened. A property damage specialist may contact you — at no cost and with zero obligation. You decide who to work with.