Get in Touch with Our Expert Team
Dealing with an insurance claim can be stressful and overwhelming. At Vanguardo, we take that burden off your shoulders. Our experienced loss assessors will assess your damage, manage your insurer, and fight to secure the maximum settlement you are entitled to — at no upfront cost to you.
- Free initial assessment with no obligation
- We work exclusively for you, not the insurer
- No Win, No Fee — you pay nothing upfront
- End-to-end claim management from start to finish
- 24/7 emergency support for urgent property damage
- Trusted by homeowners, landlords, and business owners across the UK
Send Us a Message
Fill out the form below and our team will get back to you within 24 hours.
You can have confidence in Vanguardo
Getting back on your feet after a flood can be a long and challenging process, especially if you have to battle with an insurance company to get fair compensation. We take away that stress by putting you in touch with the best independent loss assessors in the UK.
As we're not tied to any insurance company, we put your interests first. We have the knowledge and experience to understand exactly what your claim is worth and will negotiate with your insurers until you get the settlement you deserve. Our goal is to get the claim agreed quickly, so you can focus on getting back to normal life.
We'll also help with finding alternative accommodation, organising emergency repairs to prevent further damage, and getting any urgent works carried out. We'll manage the entire project from start to finish, making sure that everything runs smoothly.
Best of all, we work on a 'No Win, No Fee' basis, so there is absolutely no risk – you pay nothing unless we secure you compensation. Even then, our fees are taken directly from your insurer's settlement, with nothing out of your pocket.
Water categories
It's also useful to be aware that insurers will often divide water damage claims into 3 categories, depending on how contaminated the water is that has entered the property.
1. MVWC Water
Also known as microbiologically very weakly contaminated water. This includes all water that does not contain any significant levels of bacterial contamination, and is therefore safe for ingestion by people or animals.
2. Grey Water
Grey water has been chemically, physically, or biologically contaminated in some way, and contains low or medium levels of contamination. It is not safe to drink; however, it does not pose a major health risk if it contacts exposed skin.
3. Black Water
Black water is substantially contaminated with a range of hazardous materials. Any contact with sewage water in the home may cause serious illness or infections. It should be avoided in all circumstances.
But when you get to the 'Black Water' category, it's not only unpleasant, it is downright dangerous. Black Water contains all types of pathogens and can cause serious illness or infection.
Preventing further damage
It's really important to act quickly after a flood. Certain materials and items that have been affected by flood water may deteriorate or become unusable if they are not dried out quickly.
This is because even once the water has been removed, humidity and damp inside the building can cause mould and bacterial growth – and also secondary damage such as wood rot and blistering of plaster.
For example, areas such as flooring and wall insulation that can't be easily accessed and don't benefit from natural airflow are particularly at risk and will require specialist extraction and drying equipment to fully remove all water. We'll help you arrange this quickly.
Rapid drying
Industrial dehumidifiers and air movers
Moisture drying
Advanced moisture extraction systems
Slow drying
Controlled environment restoration
Indirect heating
Temperature-controlled drying
Who We Help
Expert flood damage claims management for homeowners, landlords, and business owners across the UK
![Homeowners](http://vanguardo.co.uk/wp-content/uploads/2026/02/homeowners-flood.jpeg")
