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Flood Damage Insurance Claims

If your home or business has been damaged by flooding, Shine Lawyers' team of expert insurance litigation lawyers can help get your life back on track by accessing your full insurance benefit.

If your flood damage insurance claim has been wrongfully underpaid or denied, we are here to ensure you get the best outcome for your claim. 

Do I have a flood damage insurance claim?

The impact of floods can be catastrophic. In recent years, thousands upon thousands of Australians have faced irreparable flood damage and have been forced to leave their homes and possessions.

If your property or business has been damaged by floods or your business was interrupted, you may have a claim through your insurance to recover some of your losses. If your flood damage insurance claim has been unfairly underpaid or rejected, we can help you fight for the benefits you are rightly entitled to.

Our flood damage insurance experts offer obligation-free confidential consultations for all new clients. Contact us today to learn how we can maximise your insurance entitlements.

What can I claim for?

Insurance policies can be difficult to understand and can differ between policies. You may not know if you’re protected against flood damage and if so, what your policy covers.

Your Home and Contents Insurance or Business Property Insurance may include coverage for flood damage. Generally, this insurance will compensate for losses directly caused by flooding; however, the policies will often have different definitions of what constitutes a flood.

Your policy may include cover for damage or losses to:

What is the flood damage insurance claims process?

Insurance companies are renowned for trying to delay, underpay or deny valid claims – that’s why having an expert in your corner can be critical.

Some reasons insurers may argue to underpay or reject your claim include:

  • Claiming that the damage wasn’t caused by the disaster
  • A condition of your policy wasn’t met
  • If a policy holder hasn’t disclosed certain information (for instance if the insurer finds out something later that would have prevented them from offering the insurance in the first place)
  • If your policy was cancelled
  • Allegation of fraud.

Don’t accept your insurer’s first position - with our insurance experts you can challenge an underpaid or rejected flood damage insurance claim. We read the fine print of your policy and help you to collect the evidence needed, including rainfall data, images of the damage and more, to fight for your entitlements.

Challenging a rejected claim can be time-consuming and complex – that’s where we shine.

Our legal team take the time to carefully explain your rights and your options so that you can regain some control through what can be an exceptionally challenging time. We advocate on your behalf to maximise your benefits and are there to support you throughout the process to keep your claim moving forward.

Shine Lawyers are expert flood insurance lawyers

Our Insurance Litigation practice specialise exclusively in resolving rejected or underpaid insurance claims and have a genuine passion for helping Australians in need. With extensive industry experience, our team of dedicated lawyers fight hard for our clients, doing everything in our power to deliver the best possible outcome.

We have helped hundreds of financially distressed Australians facing a rejected or underpaid insurance claim to access the compensation entitlements they deserve.  

Common Questions

Yes, if your insurance policy covers flood damage, we may be able to make a claim for vehicle loss or damage as well. Contact us today for advice specific to you.

There are strict time limits for bringing a flood damage insurance claim. The limitation period is 6 years. We recommend getting legal advice as soon as possible to gather the evidence you will need to maximise your entitlements.

Entitlements will differ from policy to policy. To maximise what you receive, we recommend seeking advice specific to you.

Our flood damage insurance claim legal services are offered on a no win no fee basis*. This means that you only pay our legal fees if your case is successful.

Contact us for an obligation-free consultation where we will explain our no win no fee guarantee in more detail and provide advice specific to you.

*Conditions apply