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Golf Club in Cumbria

On 5 December 2015, Storm Desmond brought exceptional rainfall to the Cumbria region, causing the Rivers Kent and Sprint to burst their banks.


The claim
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The severe flooding that followed affected a prestigious golf club complex in the area – reaching depths of around 300mm in the clubhouse and across parts of the course. 

The tenth green was partially washed away and there was severe damage to the 2nd and 3rd greens.  The golf shop, driving range, halfway house, as well as other facilities were also flooded.  

The course hosts a club professional golf tournament, which takes place in June each year, and the emphasis was on restoring the facilities to allow this event to go ahead as planned in 2016.


  • Our response

    We were quickly instructed by insurers.  On 9 December, one of our commercial property adjusters was on site and drying equipment was immediately installed.  The case then transferred to our Major & Complex Loss team.  

    A local surveyor was appointed and, once the price had been agreed, a local contractor began strip out works on 4 January.  The surveyor put together a tight programme for the restoration works, which was scoped and agreed with a team of local contractors.  Most of the contractors were also club members and had a vested interest in restoring the facilities as quickly as possible.

    Our FAS Global accountant visited the customer on 7 January to support and assist with their business interruption claim.  Various measures to mitigate the effects on turnover were agreed, including an advertising package, as well as various incentives to attract new members and encourage existing members to re-join. 

    On the course itself, a report was commissioned from the Sports Turf Research Institute (STRI) and a specialist contractor worked with the club’s green keepers to restore the greens and bunkers.  All the while, the course continued to operate using winter tees. 

  • The outcome

    Repairs to the main clubhouse were completed by 24 March 2016, in time for the Easter holidays and one of the busiest parts of the golf season. 

    Prompt repairs to the course itself were very successful and the club was able to host the professional club tournament in June, as planned. 

    The recovery of the business was quickly achieved and turnover had almost regained normality by the end of May 2016.

    Client feedback

    “Thank you for the way that you’ve dealt with this claim. The insured has been nothing other than complimentary about the service he has received and even quoted us in the club newsletter.” 

    “From a very negative opinion of insurance companies – originating from a fire claim some years ago, whilst he was with another business and with a previous insurer  – you’ve transformed the insurance industry from zero to hero in less than six months!

    “Well done and thanks again.”

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