Double impact for flood victims– Storm damage follow by the coronavirus


For many people, it seems like a lifetime ago that the UK was hit by storms which brought serious flooding to homes and businesses. Just a few weeks on and the headlines have now been dominated by the Coronavirus pandemic, which is killing people in the UK and across the world.

There are some communities in the North West who are dealing with both of these life-changing events. Not only are they in lockdown after the government introduced new restrictions, but they are also still recovering from the recent floods.

Hundreds of homes in the UK were flooded in the wake of the storms and some are now having to self-isolate inside their damaged homes with no hope of having the necessary repairs carried out anytime soon.

There are families forced to live upstairs, local businesses which had to close and sports teams struggling to fundraise to reopen next season, while all trying to maintain social distancing and protect themselves from coronavirus.

For others, the impact of flooding and coronavirus has meant they have lost their livelihoods and now have no income.

Here at Action Insurance Repair(AIR), our loss assessors are taking advantage of having easier access to insurance company loss adjusters, who are normally field-based but are now working from home full time. They realise that this is the ideal time to pursue the loss adjuster for settlement as they have more time available to spend reviewing their files and what they are finding is that claims are getting settled in record time!

This means that where safe practise permits, the team at AIR can get cracking with the reinstatement work and there is light at the end of the tunnel for some flood victims – like the Taylors.

The Taylors

Action Insurance Repair worked with a couple, John and Marie Taylor, who had to move out of their home in Clowbridge, Burnley in February this year following flooding as a result of Storm Desmond.

This was the second time that their home had been flooded in five years following the Boxing Day floods in December 2015. After already going through the process once before, this time around they didn’t want the stress of handling their own

insurance claim and so they appointed a loss assessor to deal with the claim on their behalf. In turn, the loss assessor invited Action Insurance Repair to tender for the repair work.

To add salt to the wound, the couple’s house had been on the market and they just accepted an offer to sell it the day before the flooding occurred.

John Taylor said:

Being in lockdown is hard enough, but when you’re not even in your own home with your own belongings around you it’s tough.

It’s the uncertainty of what’s going to happy that’s the worst though, both with the flooding and the virus, and unfortunately will prolong the answers of why we were flooded and what measures can be put in place to stop this from happening again. 

If you are an insurance broker or letting agent and you have clients with ongoing claims for storm and flood damage, why not reach out to them to see how they are getting on in light of the coronavirus pandemic and if there’s anything we can do to help, even if it’s only a second opinion or a bit of advice, we’re happy to help. Contact us today!

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