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Case study - Rascals Day Nursery Cumbrian Floods

What happened?

In November 2009, prolonged heavy rainfall caused severe flooding in the Cumbria area, affecting many businesses and homes. Rascals Day Nursery, a pre-school care provider for babies and young children, was affected by the floods when a ‘beck’ running near the nursery overflowed and flooded the property. Extensive damage occurred as around 200mm of water spread throughout the premises, leaving it unusable.

Naturally, the primary concern for the owner was the wellbeing of the children in her care and the need to minimise disruption and inconvenience to the parents, who relied heavily on the nursery to provide care. If she couldn’t reopen quickly, it would mean parents moving their children to other nurseries.

How we rose to the challenge

As soon as we were contacted, we immediately appointed a loss adjuster to work with the owner.  Knowing how vital it is to begin drying out the property after flood damage, we quickly arranged for damage mitigation experts to move onto the site and start clearing damaged contents and drying the nursery.

Quick thinking by the owner meant the nursery was relocated alternative premises close by, meaning less disruption to the parents and children. Because we made a quick interim payment (even issuing a cheque on site) to replace essential items, it meant the nursery was up and running so quickly that they didn’t need to claim for any interruption to business.

Mrs Mitten, who runs the nursery said: “It was a very worrying time and I was very keen to make sure we could keep on running the nursery. I was really impressed by how quickly Ecclesiastical got experts out to us. And I felt they really cared about us, even writing me out a cheque there and then to cover the costs of our equipment.”

Call us today on: 01708 855 141

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nursery insurance

by William Taylor

Insurance Brokers

Call  01708 855 141

Mon-Fri:  9am - 5.30pm
Sat:          9am - 12.30pm

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William Taylor Insurance Brokers
Nursery Insurance Dept.
William Taylor House
7 Derry Avenue
South Ockendon
Essex  RM15 5DL

F:  01708 855 879
enquiries@williamtaylor.org.uk

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