Flood Insurance Reinstatement

June 16, 2014 By

Flood waters in residential BerkshireWe are currently overseeing an insurance reinstatement of a flood damaged property in Kingsclere, Berkshire.

We first became involved when our client was having difficulty in getting the loss adjustor from their insurance company to assess the property. We were asked to supply a defect diagnosis report to assess the cause of the water damage to their building.

We undertook the survey and produced the report which we supplied to the loss adjustor, who had not understood the gravity of the technical failure. As a result, we were able to explain that the insurance claim was likely to be larger than the loss adjustor had orginally anticipated and that a larger scale reinstatement would be necessary.

We were duely appointed by our clients to undertake and oversee the project management of the reinstatement, which is currently on site.

If you have damage to your property due to flood, fire or other insurance related loss, please contact us as we may be able to provide our professional assistance.

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Filed Under: building survey, Building Surveying, Defects, Flood, Flood, Flooding, Insurance reinstatement, Newbury, Residential, RICS, West Berkshire Tagged With: , , , , , , , , , , , , , , , , , , , , , , , , ,

When Flood Water Recedes

May 1, 2014 By

Flood waters in residential BerkshireRMA Surveyors Ltd have visited many properties over the last few months to assess flood water damage and work with home owners to reinstate their property.

About 6,500 homes have been flooded in the UK since December, according to this interesting BBC article, which takes a look at what happens after the flood water recedes.

If you are concerned about any damage to your property, then enlist the services of a Chartered Building Surveyor.

The reinstatement process can be long and involved. Many factors can come into play that delay or frustrate the process, particularly where there are so many claims being processed concurrently.

In our experience it is better to have an experienced Chartered Building Surveyor appointed to steer you through this lengthy and sometimes frustrating process.

If you need the assistance of a qualified and experienced Chartered Building Surveyor please call on 01635 579 208 or contact us via our contact page.

For further information read Five Steps to Flood Reinstatement.

Filed Under: building survey, Building Surveying, Defects, diagnosing damp, Flood, Flood, Flooding, Insurance reinstatement, Newbury, RICS, West Berkshire Tagged With: , , , , , , , , , , , , , , , ,

5 Steps to Recover from Flood Damage | Expert Surveyor Advice

February 18, 2014 By
RICS Guide to flooding

Flooding can be a devastating experience, leaving property owners overwhelmed and unsure of where to begin. Whether caused by natural disasters, burst pipes, or blocked drains, quick action is essential to minimize damage and protect your home or business. Follow these 5 expert-recommended steps to recover from flood damage effectively.

Step 1: Ensure Safety First

Before entering your property, prioritize safety. Floodwaters can hide hazards such as electrical risks, structural damage, or contamination. Contact professionals if you suspect severe structural issues.

Learn about our Structural Damage Surveys for peace of mind.

Step 2: Document the Damage

Accurate documentation is crucial for insurance claims. Take clear photographs and videos of the affected areas, including damaged walls, floors, furniture, and appliances.

Keep a detailed inventory of damaged items, including receipts if available.

Discover our Insurance Claims Assistance Services to streamline your claims process.

Step 3: Remove Water and Begin Drying

A flooded house.

Removing standing water and drying out the property quickly can prevent further damage and mold growth. Use pumps, wet vacuums, and dehumidifiers to dry the space. Ventilate the area by opening windows and doors if possible.

Be cautious of hidden water in cavities like walls and floors, which may require professional assessment.

Explore our Moisture and Mold Inspection Services for thorough evaluations.

Step 4: Clean and Disinfect

Floodwaters often contain contaminants like sewage or chemicals. Clean all surfaces with disinfectants and discard items that cannot be safely cleaned, such as carpets and mattresses.

Wear protective gloves and masks while cleaning to avoid exposure to harmful substances.

Read our guide on Post-Flood Cleaning and Restoration for expert tips.

Step 5: Assess Repairs and Plan Restoration

After cleaning, assess the extent of repairs needed. Engage a qualified surveyor to evaluate structural integrity, recommend repairs, and provide guidance on restoration.

Use this opportunity to implement flood-resistant measures like raised electrical outlets or waterproof flooring.

Contact us to schedule a Flood Damage Survey and start your restoration process.

Bonus Tips for Preventing Future Flood Damage

Install sump pumps or flood barriers. Maintain gutters and drains to avoid blockages. Consider flood insurance for better financial protection.

Learn more about Flood Protection Strategies.

How RMA Surveyors Can Help

Recovering from flood damage can be overwhelming, but you don’t have to face it alone. At RMA Surveyors, we offer professional flood damage surveys, structural assessments, and insurance claim support to guide you every step of the way.

Call to Action

If you’ve experienced flood damage, contact RMA Surveyors today for expert advice and personalized solutions. Get in touch to protect your property and start your recovery process with confidence.. If you need the assistance of a qualified and experienced Chartered Building Surveyor please call on 01635 579 208 or contact us via our contact page.

Filed Under: Building pathology, building survey, Building Surveying, Construction, Defects, diagnosing damp, Flood, Flood, Flooding, Insurance reinstatement, Landlords, Newbury, Residential, West Berkshire Tagged With: , , , , , , , , , , , , , ,

Flooding Insurance Reinstatement

February 13, 2014 By

If you’ve recently put a call into your insurance company regarding a claim re flooding or water damage, then now is the time to take a closer read through your policy.

Often your insurance policy usually allows you to appoint your own Chartered Building Surveyor to project manage reinstatement works – on your behalf.

For example; a typical Aviva policy wording states “…If we accept a claim under The Buildings we will also pay for the following: a. Architects’ and surveyors’ fees to repair the buildings. These fees must not be more than those recommended by the relevant professional institutes…”

In our experience, victims of flood damage are often further stressed-out by the reinstatement process; having to deal with overworked, under resourced insurance loss adjusters and their equally overstretched (sometimes less qualified) in-house surveyors.  At a time when many properties are affected, often these individuals are difficult to contact and do not have adequate time to devote to their clients.

RMA Surveyors Ltd are professionally qualified, RICS Regulated and experienced in flood reinstatement works. We never take on more work than we can manage. We will provide you with peace of mind and ensure your property is returned back to normal as swiftly as possible. We will liaise directly with your loss adjuster, so you don’t have to.

If you are unfortunate enough to have suffered from flooding and feel a little overwhelmed as to how you will get your property back to normal please contact us.

Filed Under: Building Surveying, Defects, Flood, Flood, Flooding, Insurance reinstatement, Newbury, Residential, RICS, West Berkshire Tagged With: , , , , , , , , , , ,