Storm victims should beware of ‘flood exploiters’

The Association of British Insurers (ABI) says these could include tradespeople promising to carry out “quick repairs”, which may not be to a decent standard. Your insurer should be able to arrange repairs to be carried out by reputable tradespeople.

Another issue to watch out for is loss assessors or claims management firms offering to take on your insurance claim and deal with the insurance company on your behalf.

The ABI says you should always speak to your insurer first and make sure you understand the fees and charges of a loss assessor or claims management firm, and never be pressured into signing anything.

It says that using one of these firms should not be necessary as insurers are dealing with flood claims as a priority. Loss assessors should not be confused with loss adjusters, who work for the insurance company in assessing your claim and arranging repairs.