Insurance-Approved Restoration in Hull

How an insured job runs

1. You report the claim. Ring your insurer as soon as water is under control. Tell them a restoration firm is attending and ask whether they want to send a loss adjuster.
2. We make it safe and start drying. Stopping further damage is part of your duty under the policy, and insurers expect it to start straight away rather than wait for approval.
3. We record the damage. Photos of every room and item, the cause of the water, and first moisture readings, sent to you and, if you want, straight to your insurer.
4. We agree the scope. A written list of the drying and repairs needed, priced so the loss adjuster can check it line by line.
5. We dry and prove it. Readings on every visit and a drying record at the end, so there's no argument later about whether the walls were dry before they were plastered.
6. We put it back. Repairs to the agreed scope, with any extras you choose to pay for kept separate.

Can I choose my own contractor?

Often, yes. Some insurers have their own networks and prefer to use them, and some will pay you to use a firm you choose instead. Ask what your policy says before anyone starts stripping out. If your insurer appoints its own firm, keep your own photos and records anyway. We're happy to hand over what we've recorded if the job moves to someone else.

Why the paperwork matters more in Hull

Insurance here costs more than almost anywhere. Hull City Council's flood strategy says the cost of cover in Hull is the highest outside London, and water claims from low-lying postcodes get looked at closely. Many local homes built before 2009 are insurable because Flood Re sits behind the flood part of the policy. A claim with a clear cause, full photos and a proper drying record is paid faster and is less likely to be cut down.

Resilient repairs through your claim

After a flood claim, some insurers offer Build Back Better, which pays towards resilience measures during the repair, such as raised sockets, water-resistant plaster or non-return valves. It doesn't apply to leaks from your own pipes, and each insurer sets its own rules, so ask early. We can price the resilient version alongside the like-for-like one so the loss adjuster can see the difference.

For your own records, download our free claim pack. To understand what's covered, read does home insurance cover water damage.

Before you claim, compare the likely cost of the job with your excess using our water damage cost estimator.