Introduction
Water damage is one of the most common household insurance claims .
Acting quickly reduces long-term structural issues.
Not all contractors understand insurance reinstatement requirements
Step 1 – Stop The Source
Isolate water supply if safe
Contact managing agent if flat
Photograph everything
Step 2 – Notify Insurer
Open claim immediately
Request loss adjuster inspection
Do not begin reinstatement before approval
Step 3 – Drying Process
Professional drying may be required
Moisture readings are important
Stripping out may be necessary
Step 4 – Reinstatement
Like-for-like reinstatement principle
Subfloor checks
Hidden timber damage
Mould risk if untreated
Common Mistakes
Starting cosmetic works too early
Accepting vague scopes
Choosing lowest quote without breakdown
Conclusion
Structured reinstatement prevents repeat damage
Choose contractor familiar with insurer processes
