Oakleafe Claims - Logo
Oakleafe Claims

Insurer Reject Maesteg Family's Flood Claim

claim handling, claims, disaster, flood, home, insurance

Family flood claim rejected by insurance company.

An Insurance Company has been accused of “giving the industry a bad name” for rejecting a Flood Damage Insurance Claim by a family whose home was hit by flooding near Bridgend.

How Insurance Companies Operate

Insurance Companies can often interrogate you and make you feel you are the one to blame. They will investigate and attempt to find any possible evidence to disprove your claim. Often they expect you to use technical terminology to provide your case. Insurers always have the mindset to pay the minimum possible claim sum. And if you do not have a solid case, the chances of a claim succeeding are slim.

Mark Jenkins has been told by Ocaso his claim in November is being refused because he did not declare the house in Maesteg was within 200m of a river.

Ogmore AM Huw-Irranca Davies said the flooding was nothing to do with the river and the firm was “unreasonable”.

Ocaso said it was “in discussions” with Mr Jenkins.

Mr Jenkins estimates it caused about £50,000 of damage to his house and is challenging Ocaso’s decision not to pay out.

How Loss Assessors can help

In a situation like this, a qualified and experienced Claims Assessor can run a full scope of work. This would mean the Assessor would provide complete reports and Quantified sheets. These reports would disprove the allegation of the Insurer that the evidence they provide is irrelevant to this claim.

“It’s a bit of a struggle as you can imagine, four of us in one room,” he said.

“[Our] two-year-old [was] looking forward to one of his first major Christmases in the house, that’s not going to happen.

“It’s just utter devastation at the moment – we’re just making do.

“We’re just lucky we’ve got close family to put us up because otherwise we’re effectively homeless because we can’t live here.”

In this incident where the house can no longer be inhabited, Loss Assessors would  help you find alternative accommodation and oversee the welfare of you and your family while the house is being restored to its pre-loss position. Insurance Loss Assessors will aim to get everything you are entitled to.  It is important to engage a Loss Assessor as early as possible as they can ensure the entire process proceeds in the correct manner and your claim is not prejudiced negatively.

For the full article follow the link to read more.

Source: BBC News

Related Claims and Topics
March 28, 2024
How to Protect Your Rental Property with Landlord Insurance.

Are you a landlord looking to safeguard your rental property and investment? Landlord insurance is a vital tool that provides protection and peace of mind against various risks and liabilities associated with renting out a property. In this guide, we'll explore everything you need to know about landlord insurance in the UK, including what it […]

Read More
March 26, 2024
Essential Home Insurance Tips for First-Time Buyers

Are you taking the exciting step of purchasing your first home? Congratulations! As you embark on this journey, one crucial aspect to consider is securing the right home insurance policy. Navigating the world of home insurance can seem daunting, but fret not – we've compiled a comprehensive guide tailored specifically for first-time buyers like you. […]

Read More
March 22, 2024
Is Your Home Spring Ready?

As spring approaches, the days become brighter and the weather warms. We look at ways to help prepare your home for the sunny season, ensuring it is in tip-top condition and helping to prevent winter wear and tear or spring showers causing issues that could result in you needing to make a Domestic Insurance Claim. […]

Read More


If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.