Whether it is water, fire, neighbour-caused, or structural damage — we help you understand your options and take calm, structured action in Hull.
Select the situation that best describes your experience to get targeted guidance.
Damage caused by a neighbouring property
Learn moreWater damage from leaks or ingress
Learn moreDamage caused during building work
Learn moreFire or smoke damage to your property
Learn moreSubsidence, cracks, or structural issues
Learn moreUnclear on the cause or who is liable
Learn moreUnderstand liability, organise your evidence, and get clear next steps for your damage claim.
A property damage specialist assesses your case and handles the claim process. No upfront cost.
You only pay if they recover compensation
Hull is one of the UK's most flood-prone cities. The city sits at sea level on the Humber estuary, and its flat topography means surface water has nowhere to drain during heavy rainfall. The 2007 floods affected over 8,000 properties.
Hull's flat topography and position at sea level create a perfect storm for surface water flooding. The Victorian drainage infrastructure was not designed for modern rainfall intensity. Many properties have been flooded multiple times, and insurers increasingly apply flood exclusions.
A Newland Victorian terrace was flooded for the third time in ten years during heavy rainfall. The insurer had applied a flood exclusion after the second flood, leaving the owner without cover.
A Humber waterfront property suffered damage from a tidal surge that overtopped the flood defences. The insurer disputed whether the damage was caused by the tidal surge or pre-existing damp.
Extreme surface water flood risk due to flat topography. Tidal surge risk from the Humber. Victorian drainage infrastructure is inadequate. Many properties have been flooded multiple times.
You may be able to access cover through Flood Re — a government-backed reinsurance scheme for high-risk properties. Many Hull Victorian terraces qualify. A specialist insurance broker can advise on Flood Re eligibility.
The insurer must demonstrate that the disputed damage was caused by a previous flood. If you have photographs or repair records from after the previous flood showing the property was restored to good condition, this evidence can challenge the insurer's position.
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