What happened?

Client called on a Sunday evening to report that their premises in Dudley had been flooded by around 7.5tonnes of sewage in February 2020. The owners were devastated by what had happened, and the premises become completely un-useable! The customer was panicked by the damages caused to the orders which were due to be sent and delivered as well as the general stock.

At Holmes Insurance we quickly established policy liability with the insurance company and their appointed claims’ handlers. This is fundamental to any claim you may look to make under an insurance policy. We also worked with the Utilities Company at the same time to establish the causes of the flood to help the policyholder show clearly that they had a valid claim under their policy.

What we did?

Once we established policy liability, we helped the client collect all the relevant paperwork and organised the presentation into a clear and concise format. This enabled the insurance company to deal with the process more efficiently for the client. Most small businesses go wrong by not organising their paperwork effectively which can cause long delays and even claims refused, as the insurance companies struggle to confirm and validate the payments to be paid? The importance of receipts is never to be underestimated!


Success, we made a full recovery for the client and all damages was set right. The client could not have been more happier.

Premium vs payment.

The client’s insurance policy cost was £229.16 and the Payment paid by the insurers £20,646.86.


You should always keep your receipts and purchase orders saved on a cloud, as physical documents can be damaged or lost depending upon the nature of the claim whether it is a fire or flood. The receipts help prove Insurable Interest on the physical assets in your custody and control. Without proof of insurable interest, you will easily make your own claim a lot more complicated and difficult.

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Contact Us

Suite 22, Holloway Chambers,
27 – 28 Priory Street,

Office Number : 01384 413 651
Email : info@holmesib.co.uk

Holmes Insurance Brokers is an Appointed Representative of Movo Partnership Ltd who are directly authorised and regulated by the Financial Conduct Authority, authorisation number 823503.
Registered Office: First Floor, 30 High St, Chislehurst Kent BR7 5AS Registered in England No: 11544238.