Commercial burst pipe damage insurance claims handled with care
Burst pipe, ‘escape of water’ or water leak at your business premises? We manage your commercial burst pipe damage insurance claim and deal with the insurer on your behalf.
Regulation
Experience
20+ years · Founded 2003
Response
24/7 support · On site within 24h
Full claim scope
Accounting for water damage, repairs and lost trade
The process
How we handle your commercial burst pipe claim
We act for you, not the insurance company. Our role is to assess the burst pipe damage properly, manage the claim and help you avoid decisions that could weaken your settlement.
1
Free consultation
We listen to what has happened, review the likely policy position and explain how we can help. There is no obligation.
2
Inspect and assess
We inspect the premises, assess the types of water damage and identify immediate risks linked to drying, safety, stock, electrics or continued trading.
3
Plan and prepare
We review your commercial insurance policy, set out what the policy will cover and advise on trace and access, drying, reports and evidence.
4
Manage and negotiate
We deal with your insurance provider and their loss adjuster on your behalf, helping to reduce delays, disputes and misinterpretation.
5
Settlement and repairs
We negotiate the claim settlement and help move the repair of the damage forward, so your premises can return to normal as soon as possible.
Has burst pipe water damage affected your business?
Tell us what’s happened at your premises and we’ll explain the next steps. Free consultation, no obligation.
Recent settlements
+30–50% above insurer’s first offer
Range achieved across recent claim settlements. We treat each claim on its own merits – and never settle for the first number on the table.
Founder · Chartered Loss Adjuster
Talk to the founder
A burst pipe can quickly become a business-wide claim.
Commercial water damage claims due to burst pipes can become difficult very quickly. The cause, the drying work, the stock loss and the effect on trading all need to be properly evidenced before a fair settlement can be reached.
Rob Spence – Managing Director, Chartered Loss Adjuster.
Frequently asked questions
Common questions about commercial burst pipe and water leak claims
What should I do if I need to make a claim after a burst pipe at my business premises?
Turn off the water if it’s safe to do so, protect staff and customers, take photos and keep damaged stock, contents or equipment aside for inspection. You should also notify your insurer but avoid agreeing repair costs or settlement figures before the full commercial loss has been assessed.
Will my commercial insurance cover burst pipes?
Many commercial insurance policies cover burst pipes and leaks, but this depends on the cause, policy wording, maintenance position and the damage covered under your buildings insurance, contents insurance, stock cover and business interruption section.
Can I make an escape of water insurance claim for my business?
Yes, if the escape of water is covered by insurance and the event falls within your policy terms. We can review your cover, identify what evidence is needed and help present the claim to your insurance provider.
What helps support a successful water leak insurance claim?
A successful water leak insurance claim usually needs clear evidence of the source of the leak, the cause of the damage, drying requirements, repair costs, damaged stock or equipment and any financial impact on the business.
What can affect the payout for a commercial burst pipe claim?
The payout can be affected by policy limits, exclusions, underinsurance, maintenance issues, drying evidence, stock records, repair quotes and whether business interruption losses have been properly calculated.
Will my insurer send a loss adjuster to my premises?
Your insurer may send a loss adjuster to inspect the premises and report back to the insurance company. RSL Claims acts for you as the policyholder, helping to make sure the full extent of the commercial loss is properly presented.
Can a change in temperature cause commercial burst pipe damage?
A sudden change in temperature can cause water pipes to freeze, expand and fail, especially in exposed areas, empty units, warehouses, roof spaces and older commercial premises.
Can RSL Claims help if the insurer has already visited?
Yes, we can review the claim, check whether the full loss has been included and help challenge any issues that may affect a successful claim, including drying, reinstatement, stock loss or business interruption.
Could making a claim affect future business insurance quotes?
It may. Future insurance quotes can be affected by claims history, property condition and risk controls, such as pipe insulation, heating, maintenance and leak detection measures.
Can RSL Claims help if the claim has already started?
We can usually step in after the claim has started, especially if the damage is more extensive than first thought, the insurer is delaying, or the settlement does not account for the full cost of repairs and disruption.
Do you handle commercial burst pipe insurance claims in my area?
RSL Claims supports businesses across the North West of England and North Wales, including Liverpool, Wirral, Manchester, Warrington, Chester, Wrexham and surrounding areas.
Get in touch
Free, no-obligation consultation on your burst pipe water damage claim.
Tell us briefly what happened and we’ll come back to you as soon as possible. If we can help, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction. We cover the North West of England and North Wales – and travel further than 100 miles when a commercial claim warrants it.
Fire
Fire damage
Helping businesses recover from property damage, stock loss and operational disruption.
Flood
Flood damage
Managing surveys, repairs and reinstatement while helping keep your business operational where possible.
Interruption
Business interruption
We work alongside accountants and specialists to present lost income and increased cost claims properly.