top of page

When the rain poured in, our response was ready: How we managed a major flood surge

  • Writer: Covea Insurance
    Covea Insurance
  • Oct 7
  • 2 min read

When severe weather brought significant flooding across parts of the UK, triggering a sharp surge in claims. For us, it was a moment to show what great planning, the right people and seamless broker partnerships can deliver — even in the most testing conditions.


Thanks to advanced weather alerts, we knew a surge was coming. Our expert team was already on alert, with our surge response plan fully activated — and our licensed loss adjusters positioned for rapid deployment.


As the storms hit, we launched a national monitoring and reporting system, giving us real-time visibility of claims volumes, locations and projected reserve exposure. This meant we could stay ahead of demand, manage supplier resources and maintain high service levels, even as events unfolded.


We acted fast to identify high-risk postcodes and potential exposures. Equipped with local customer data, our loss adjusters carried out proactive drive-by checks and visits — not just to assess damage, but to make sure policyholders were safe.


Our senior claims team met early to agree strategy. As always, our initial priorities were clear:

  • Get specialists on the ground to give reassurance and practical advice

  • Start clean-up operations immediately

  • Organise alternative accommodation

  • Issue early interim payments to ease the burden on customers


Three elements from our award-winning claims transformation programme proved vital:

  1. A single claims reporting platform gave us accurate, real-time oversight across all impacted areas.

  2. Licensed loss adjusters with manageable caseloads ensured immediate, empathetic responses from people who understand our service ethos.

  3. Our dedicated claims teams worked in step with brokers, keeping you informed and making sure your clients received practical help — fast.


Through it all, we didn’t just deliver on policy. We delivered on our promise of expertise, tailored solutions and personal service — even in a flood surge.

bottom of page