What Happens After a Fire or Flood in Your Property?
Experiencing a fire or flood in your home or commercial property can be overwhelming. Beyond the immediate disruption, property owners are often unsure what steps to take next, who is responsible for repairs and how to deal with insurers.
At Simon Levy Associates, we regularly support clients across Borehamwood, Watford and Greater London following fire and flood incidents, providing clear guidance and independent professional advice during what can be a stressful time.
Making the Property Safe
Once the emergency services have attended and the immediate risk has passed, the first priority is ensuring the property is safe and secure. Fire and flood events can compromise structural elements, electrical systems and internal finishes. A professional inspection helps identify whether the building is safe to occupy and what temporary measures may be required to prevent further deterioration. Early involvement can help prevent hidden damage from being overlooked.
Understanding the Insurance Process
After notifying your insurer, a building insurance claim is usually opened to assess the extent of damage and determine the scope of reinstatement works. Insurers typically appoint an insurance loss adjuster to represent their interests and investigate the claim. While loss adjusters play an important role, their remit is often focused on policy terms and cost control. Independent advice ensures that all damage is properly identified and that the proposed repairs are appropriate for restoring the property to its pre-loss condition.
Assessing the Full Extent of Damage
Fire, smoke, water and contamination can cause damage that is not immediately visible. Materials such as timber, plaster and insulation may be affected long after the incident. A thorough inspection by experienced surveyors helps establish the true extent of damage and forms a robust basis for a property damage claim. This technical assessment is particularly valuable where there is disagreement over repair methods, timescales or costs.
Managing Repairs and Reinstatement
Once the scope of work has been agreed, reinstatement can begin. Insurers may propose their own contractors, but repairs must be completed to an appropriate standard and in line with building regulations. Independent oversight provides reassurance that workmanship, materials and sequencing are correct. Simon Levy Associates regularly assists clients by reviewing specifications, monitoring works and ensuring that repairs genuinely reinstate the property rather than providing a basic or compromised solution.
Avoiding Disputes and Delays
Delays and disagreements can arise if damage is underestimated or repairs are poorly managed. Independent professional input helps maintain momentum and reduces the likelihood of disputes. Clear reporting and communication can also be invaluable should the matter escalate or require formal resolution.
How Simon Levy Associates Can Help
With over 30 years of experience, Simon Levy Associates provides trusted support following fire and flood damage. Our chartered building surveyors offer impartial advice on inspections, insurance claims and reinstatement works across Borehamwood, Watford, Greater London and the South East. We act in our clients’ best interests, ensuring clarity, fairness and technical accuracy throughout the process.
If your property has been affected by fire or flood and you need expert support with a building insurance claim or property damage claim, contact us at Simon Levy Associates today. Our experienced team is here to guide you through the process and help protect your property and investment.
