In This Article
Why We Built This
Over the years running Vantage Drain Services, we've often been called out to properties where the real issue isn't just the drainage problem — it's the damage it's caused to the property.
In many of those situations, customers ask the same question:
"Can this be claimed on insurance?"
For the past few years we've regularly helped point customers in the right direction by referring them to independent loss assessors who specialise in property damage claims. Many people simply don't realise that damage from things like drain collapse, escape of water, flooding, or structural issues may sometimes be covered by their insurance policy.
The Problem Most People Face
One of the biggest challenges is that people don't know where to start. They often have:
- Policy documents full of complex wording
- Survey reports or engineer reports they don't fully understand
- CCTV drain survey footage or written reports
- Photos of the damage
- Lots of questions — and no clear answers
Without specialist knowledge, it's very difficult to know whether a claim is worth pursuing, which sections of a policy might apply, or what the potential pitfalls are. People either give up entirely — or they go straight to their insurer without being properly prepared, which can result in a lower settlement or an outright rejection.
The result?
Thousands of valid insurance claims go unpursued every year simply because homeowners don't know their options.
What the Claim Checker Does
So we decided to build something to help.
We've created a Free Property Damage Insurance Claim Checker that reviews the information you upload and generates a simple claim report.
It only takes a couple of minutes and there's no obligation.
Policy Analysis
Reviews your insurance policy wording and identifies sections that may be relevant to your damage.
Exclusion Spotting
It flags potential exclusions or policy wording that could affect your claim — before you speak to your insurer.
Recommended Next Steps
You receive clear, plain-English guidance on what to do next based on your specific situation.
Specialist Referral
Where appropriate, the report will indicate whether speaking with an FCA-regulated loss assessor could be beneficial.
What You Can Upload
The checker is designed to work with the kinds of documents and evidence that homeowners typically have when dealing with property damage. You can upload any combination of the following:
What You Get Back
Once you've submitted your information, the checker generates a straightforward claim report that explains:
Possible policy sections that may apply
Which parts of your insurance policy could be relevant to your specific type of damage.
Potential issues or exclusions
Any wording in your policy that could complicate or limit your claim — flagged clearly before you proceed.
Recommended next steps
A plain-English action plan tailored to your situation, so you know exactly what to do.
Whether a specialist may help
An honest assessment of whether your situation may benefit from the involvement of an FCA-regulated loss assessor.
Types of Damage It Can Help With
The checker is designed to help with a wide range of property damage scenarios that may be covered under a standard buildings insurance policy, including:
What Happens Next
After you receive your report, you have a few options:
Use the report yourself
Take the findings and use them to approach your insurer with a clearer understanding of your position.
Speak with a loss assessor
If the report suggests your claim may be worth pursuing, there's an option to speak with an FCA-regulated loss assessor who can review your report and discuss next steps — at no initial cost.
Contact us directly
If you have drainage-related damage and need a CCTV survey or drain repair alongside your claim, our team is available 24/7.
Try the Free Claim Checker
If you're dealing with property damage and aren't sure whether it might be covered, the checker takes just a couple of minutes and there's no obligation.
Upload your policy documents, survey reports, CCTV drain surveys or photos of the damage and receive an instant claim report.
Start Your Free Claim CheckFree · No obligation · Takes 2 minutes
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This article is provided for general information purposes only. The Free Property Damage Insurance Claim Checker reviews documents and generates a report — it does not constitute legal or financial advice. For specific insurance advice, please consult your insurer or a qualified FCA-regulated professional. Vantage Drain Services is a drainage and plumbing company; loss assessor services are provided by independent regulated third parties.