If your wood floor has been damaged by a flood, a leak, an escape of water, or an accident, LIGNORA provides professional damage assessment, written reports for insurers, and restoration or replacement work. We deal with insurance claims regularly and understand what surveyors and loss adjusters need.
Floor damaged and need to act quickly? Call us today — we can visit the property, assess the damage, and provide a written report within 48 hours.
Call 07380 458 062 →We visit the property, assess the extent of the damage, identify the cause, and take moisture readings. This is done before any drying or remediation work begins — insurers need the original damage recorded.
We produce a written damage assessment detailing the cause, the extent, the original floor specification, and a costed recommendation for restoration or replacement. This is submitted directly to your insurer or loss adjuster.
For water damage, the subfloor must dry to the correct moisture level before any restoration work begins — typically 4–8 weeks. We advise on appropriate drying methods and carry out moisture testing before proceeding.
Once the subfloor is confirmed dry, we carry out the agreed work — sanding and refinishing where viable, or like-for-like replacement where the damage is too extensive. All work is carried out by our own team.
The most common cause of wood floor insurance claims. Water ingress causes boards to cup, lift, and buckle. Whether restoration or replacement is appropriate depends on the extent of water penetration and how long it was present before drying began.
A slow leak from a pipe or appliance often causes localised but significant damage to both the floor and the subfloor beneath. We identify the extent of the subfloor damage — which is not always visible — and include this in our report.
Dropped objects, furniture movement, and construction damage can cause localised damage to engineered or solid oak floors. In some cases individual boards can be replaced; in others, where matching is not achievable, a wider replacement may be the correct solution.
Fire and smoke damage typically requires full replacement. We assess the structural integrity of the subfloor, source a like-for-like match for the original floor specification, and provide full installation documentation for the insurer.
Structural movement can cause wood floors to crack, separate at joints, or develop uneven surfaces. We assess whether the movement is ongoing or historic, and advise on the correct remediation in conjunction with the structural engineer.
When a floor needs replacing, most policies require a like-for-like match. We identify the original specification — species, width, finish, grade — and source the closest available match. Where an exact match is discontinued, we document this for the insurer.
Yes. We provide written damage assessment reports detailing the cause and extent of damage, the original specification of the floor, and the cost of restoration or replacement. These are accepted by most UK insurers.
It depends on the extent of damage. Water-damaged floors sometimes lift and cup but can be sanded flat if the subfloor has dried out correctly. In other cases — particularly where the damage has caused structural movement — replacement is the only correct outcome. We assess honestly and do not recommend replacement where restoration is viable.
Typically 4–8 weeks depending on the extent of the water ingress and the drying method used. We can advise on appropriate drying protocols and will not begin work until moisture readings confirm the subfloor is within the correct range for the product being installed.
Most policies cover like-for-like replacement. We identify the original specification of the floor and source the closest available match. Where an exact match is unavailable — for example, in discontinued products — we advise on the best available alternative and document this for the insurer.
Yes. We are comfortable communicating directly with loss adjusters and surveyors on your behalf. We provide all documentation in the format required and can attend joint site visits where needed.
We aim to visit within 48 hours of an initial enquiry for insurance-related damage assessments. Early assessment is important — particularly for water damage — as it establishes the original condition of the floor before any drying or remediation work begins.
We visit within 48 hours, produce a written report for your insurer, and carry out all restoration or replacement work with our own team. No subcontractors.