Hull & East Yorkshire · Free download
A printable pack for the weeks after a leak or flood in Hull: what to photograph, what to keep, and a log for every call with your insurer and loss adjuster. Download it now, no email needed.
Insurance in Hull is expensive. The city council's own flood strategy says the cost of cover here is the highest outside London, and insurers look closely at water claims from low-lying postcodes. What gets a claim paid in full is evidence: what happened, what was damaged, and proof the house was dried properly afterwards. Most people only make one of these claims in their life, so they don't know what to keep until it's too late.
The 2007 floods showed how long a claim can run. The independent review found 6,300 people in temporary accommodation afterwards, more than 1,400 of them in caravans. A clean record from day one makes those months shorter.
Water from your own pipes, tank or washing machine is an escape of water claim. Water that came in from outside, from the drains backing up, the rain or the Humber, is a flood claim. They sit in different parts of a policy and can carry different excesses, so write down where the water came from, and photograph it if you can. Hull City Council's recovery advice says the same: record the flood watermark and throw nothing away until the insurer has seen it.
If your home was built before 2009, your flood cover may be backed by Flood Re, which is why many Hull homes can still get insured at all. Some insurers also offer Build Back Better after a flood claim, which pays towards resilience work such as raised sockets or water-resistant plaster while the repairs are being done. Ask your insurer before the rebuild starts.
A leak in a let property is a repair job and a tenant problem at the same time, so the pack includes notes on your repair duties and the damp and mould records that protect you later. Businesses get a page on business interruption cover and what to record while you can't trade.
You can't prove a wall is dry by touching it. Insurers expect moisture readings taken over days and a written drying record. That's the part we provide: we dry the property across Hull and the East Riding, log the readings on every visit, and can talk to your insurer or loss adjuster for you.
Download the free claim pack (PDF)
Still in the first hour? Start with our flood checklist for Hull homes instead, or see what home insurance covers.
Before you claim, compare the likely cost of the job with your excess using our water damage cost estimator.
Mould starts growing within 24 to 48 hours of a leak. The sooner drying starts, the less damage and the lower the cost.
Call 01482 736003No. It's a straight PDF download with no form. Print it, or fill it in on screen.
Water coming up from drains, gullies or outside is normally a flood claim. Escape of water covers leaks from your own pipes, tanks and appliances. Note which it was, because the two can carry different excesses.
Yes. Keep your own photos, inventory and call log whoever does the work. If something is missed or disputed later, your notes are what settle it.
Yes. We send them the damage photos and drying readings and answer their questions, so you aren't passing messages back and forth.
Ring us any time. We cover Hull and the East Riding.