Flood Damage Insurance Claim
Flood Damage? We Help You Claim What You Deserve
When flood or water damage hits your home, the stress can be overwhelming — from soaked floors to damaged electrics and the worry of insurance paperwork.
At HKP Insurance Assessors, we handle your flood damaged insurance claim from start to finish, ensuring you receive a fair, fast, and full settlement.
We’re based in Limerick and Clare, and we work for you — not the insurance company.
Common Types of Flood and Water Damage Covered
Are water leaks covered by home insurance?
In most cases, yes — if the leak was sudden and accidental. We’ll review your policy and help you claim for covered damage correctly.
If you’re unsure whether your situation qualifies, contact HKP and we’ll review your policy wording with you.
Whether it’s a flash flood or a hidden leak, our assessors have seen it all. HKP helps homeowners claim for:
Flooding caused by heavy rain or river overflow
Burst pipes and plumbing system failures
Leaks from washing machines, dishwashers, or heating systems
Empowering Success Together
Why Homeowners in Limerick & Clare Trust HKP
Homeowners choose HKP Insurance Assessors for our professionalism, transparency, and proven results.
Why choose us:
Over 15 years’ experience handling flood and water damage claims
Independent of all insurance companies
Local expertise in Limerick, Ennis, Clare, and Shannon
No win, no fee representation
Full claim management — from inspection to settlement
You deserve an expert on your side, not just an insurance adjuster working for the insurer.
Is Water Damage Covered by Your Home Insurance?
Most home insurance policies in Ireland include water damage cover — but the details matter.
Insurers usually cover sudden, accidental damage, such as burst pipes or appliance leaks. However, they may decline claims caused by gradual leaks or poor maintenance.
That’s where our experience helps.
We review your policy, explain what’s covered, and prepare your claim to maximise the payout.
Typical items covered include:
Drying and dehumidification
Replastering and redecorating walls or ceilings
Flooring replacement
Replacement of damaged fixtures and fittings
We also coordinate with repair professionals, so your home is restored as quickly as possible.
Frequently Asked Questions About Flood & Water Damage Claims
Q1: How do I make a flood damage insurance claim?
Contact your insurer as soon as possible to report the incident. Take photos of the damage and call HKP. We’ll inspect the property, document the loss, and manage your claim from start to finish.
Q2: Are water leaks covered by home insurance?
Yes, if they occur suddenly or accidentally (for example, a burst pipe). Slow or long-term leaks may not be covered, depending on your policy.
Q3: Can I claim for mould caused by water damage?
Yes, if the mould is a direct result of a covered water damage event. We’ll help ensure that these secondary damages are included in your claim.
Q4: How long does a flood damage claim take?
It depends on the severity of the damage and insurer response times. However, with HKP managing your case, the process is faster, clearer, and far less stressful.
Start Your Flood Damage Claim Today
Don’t wait while water damage worsens. HKP Insurance Assessors are here to help you file, manage, and negotiate your flood or water damage insurance claim professionally and fairly.
Call us today 087 2297155 or use the form below to book your flood claim assessment.
We’ll handle the claim — so you can focus on restoring your home.
