The first surprising issues regarding fire & flood claims is just how little is understood about consequential effects, mitigation and litigation opportunities. This is explained by the almost unbelievable situation in the UK that restoration training is not required for loss adjusters, and that contractors have no recognised training, syllabus or indeed certification.

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Three weeks after the town of Cockermouth was flooded I undertook this audit of flood restoration progress. I had intended to spend a couple of days reviewing the progress in restoration competence since the floods of Hull, Doncaster, and Sheffield of 2007 where homes took months to years to restore. In less than two hours  I realised there was no improvement from my inspections of 2007 or indeed my flood audits of Carlisle 2005 and even going back to Lewes in 2000.

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