About us.

We specialise in protecting policyholders through help with leak detection, expert insurance claims support and water damage restoration, ensuring fair insurance settlements when it matters most. Importantly our service is free* to policy holders as the bill for repairs is sent directly to your insurer.

Our guiding values.

We exist to protect the interests of policyholders by delivering expert detection of the cause of water damage, claims negotiation, and water damage restoration with integrity, transparency, and care. As a FCA regulated firm, doing the right thing is central to everything we do. We’re committed to fair outcomes, clear communication, and acting in our clients’ best interests at every stage of the claims process.

Our mission

Our mission is simple: to uncover the true cause of water damage and ensure valid insurance claims are recognised and fairly settled. By combining technical expertise with in-depth policy knowledge, we help clients move from uncertainty to resolution with confidence.

Full-service insurance claim and repair specialist

We provide end-to-end support for water damage insurance claims, bringing together specialist water damage detection, insurance expertise, and coordinated restoration. Using proven, non-intrusive technologies, we help identify the cause of water damage quickly and accurately. This precision reduces disruption, strengthens your claim, and ensures repairs are targeted and effective.

Expert in managing complex claims.

Our claims specialists are experienced in interpreting complex insurance policies and understanding how cover applies in real-world situations. From exclusions to small print, we know what to look for and how to present clear, evidence-backed cases that ensure insurers honour the terms of your policy and settle valid claims fairly.

Coordinated start-to-finish support.

From your first call through to final repair, we manage the entire process on your behalf. Water damage assessment, insurer communication, drying, and reinstatement are all coordinated under one roof, with a single point of contact throughout. This removes confusion, reduces delays, and keeps your claim progressing smoothly.

Committed to transparency and accountability

As an FCA-regulated firm, we operate to strict conduct standards designed to protect policyholders. Transparency sits at the heart of our approach, from explaining your policy and outlining next steps to managing contractors and reporting progress. We will keep you informed, supported, and in control at all times.

Meet our team.

At Water Damage Repairs, we understand that dealing with the aftermath of water damage can be overwhelming. Once the cause of the damage has been identified, you’ll be supported by a dedicated point of contact who coordinates the damage assessment, liaises with your insurer’s loss adjuster, and arranges approved repair works.

Roshan Kara - Founder

Roshan Kara.

Founder.

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Roshan established the business in 2011 with a clear goal: to make the insurance claims journey simpler and less stressful for property owners. From the outset, her priority has been fairness, openness, and delivering a joined-up service that combines claims expertise with contractor coordination. Over a decade on, she remains deeply involved in shaping the company’s direction, driven by the same dedication to client care. Outside of work, Roshan enjoys travelling with her family and swimming in the sea.

 

Gnanapragasam Mario Kumar - Director

Mario Kumar.

Director.

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Mario is responsible for overseeing the company’s financial operations, ensuring robust governance, precise reporting, and full FCA compliance. Working closely with the senior leadership team, he supports long-term growth while safeguarding financial stability and transparency. Valued for his clear insight and attention to detail, Mario plays a key role in shaping sound strategic decisions. Beyond work, he enjoys spending time outdoors with his family and grandchildren.

 

Ray Stibbards - FCA and Compliance Consultant

Ray Stibbards.

FCA and Compliance Consultant.

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Ray is responsible for maintaining the firm’s adherence to FCA regulations, closely monitoring internal processes and managing regulatory reporting requirements. He offers clear, practical advice that keeps compliance effective without unnecessary complexity. With a strong eye for detail, Ray provides trusted guidance that helps protect both clients and the business. Outside of work, he is a keen petrolhead and passionate follower of motorsport.

 

Tanbir Sidhu - Head of Business Development

Tanbir Sidhu.

Head of Business Development.

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Tan leads the business development team, ensuring every enquiry is handled professionally, efficiently, and with genuine care. He works closely with prospective clients to understand their circumstances and determine whether insurance claim support is appropriate. Known for his personable approach and focus on building strong relationships, Tan helps clients feel confident from the very first conversation. Outside of work, he enjoys motorbike riding, gym sessions, and socialising with friends.

 

Tom Higgs – Head of Contracts Management & Surveying

Tom Higgs.

Head of Contracts Management & Surveying.

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Tom oversees the surveying and contracts management teams, ensuring damage assessments are accurate and repair projects progress smoothly from start to finish. He works closely with loss adjusters to agree fair scopes of work and manages projects through to completion. Practical and solutions-focused, Tom ensures properties are restored fully and efficiently. Away from work, he enjoys spending time with his newborn baby.

 

Ben Smee - Head of Claims

Ben Smee.

Head of Claims.

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Ben heads up the claims team, overseeing the preparation, negotiation, and settlement of each case to achieve fair outcomes. He ensures clients are kept informed throughout, offering clarity and reassurance during what can be a challenging time. With extensive experience and a calm, methodical approach, Ben sets high standards for client service and results. Outside of work, he enjoys walking his dog with his fiancé and exploring the countryside.

 

Georgie Hardy - Call Centre Manager

Georgie Hardy.

Call Centre Manager.

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Georgie manages the First Notification team, who are available around the clock to support new customers. She ensures every caller’s situation is fully understood from the outset, allowing the business to provide the right support quickly. Calm, organised, and customer-focused, Georgie leads by example in delivering excellent service. When she’s not at work, she enjoys singing show tunes, relaxing with her cat, and indulging her love of musicals.

 

Abhijeet Singh - Claims Manager

Abhijeet Singh.

Claims Manager.

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Abhi focuses on presenting and negotiating insurance claims to secure fair settlements for policyholders. He keeps clients fully informed throughout the process, helping them feel confident and supported at every stage. Known for his calm and organised manner, Abhi brings clarity to even complex claims. In his spare time, he enjoys hiking in the woods and exploring nature trails.

 

Matthew Farthing - Claims Manager

Matthew Farthing.

Claims Manager.

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Matthew manages the preparation and negotiation of claims, advocating strongly on behalf of clients to achieve fair and positive results. He places great importance on keeping policyholders informed and reassured throughout the entire claims journey. Friendly, knowledgeable, and detail-focused, Matthew quickly builds trust with homeowners and landlords alike. Outside of work, he enjoys reading, playing guitar, and discovering new music.

 

Russel Steve - Software Engineer

Russel Steve.

Software Engineer.

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Russel developed the company’s advanced CRM system, enabling detailed claim tracking and accurate recordkeeping across every case. His work supports operational efficiency while giving clients clear visibility throughout their claim. Innovative and forward-thinking, Russel continually enhances systems to keep them aligned with evolving needs. Outside of work, he enjoys gaming, cycling, and spending holidays in his caravan.

 

Russel Steve - Software Engineer

Joseph Chaplin Smith.

Surveyor & Contracts Manager.

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Joseph visits properties to assess damage, meets with Loss Adjusters to agree the scope of works and oversees reinstatement projects once approved by insurers. He works closely with policyholders and contractors to ensure works are completed to a high standard and claims progress smoothly. Outside of work, Joseph enjoys playing golf and keeping fit at the gym.

 

Russel Steve - Software Engineer

Zoran Cirkovic.

Contracts Support Manager.

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Zoran plays an important role in coordinating reinstatement works once a claim has been approved. He assists with material selections and contractor scheduling, helping projects commence without delay and progress efficiently. In his spare time, Zoran enjoys running, playing tennis, going to the gym, reading and spending time with friends and family.

 

Russel Steve - Software Engineer

Simon Cottell.

Business Development Manager.

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Simon is often the first point of contact for prospective clients, explaining the services offered by All Property Claims and guiding homeowners through the early stages of the claims process. He is also responsible for developing new business opportunities and building relationships with customers. Outside of work, Simon enjoys playing cricket, watching sport and spending time with friends.

 

What our clients say.

We pride ourselves on providing exceptional service, and the feedback from our clients speaks for itself. Here, you can read about the experiences of those who have trusted us with their water damage repairs.

* Free of charge where we’re authorised to arrange approved repairs once your claim is settled. Full details in our terms of business.

Protect your property now.

Speak to our experts today to secure fast, professional support and prevent further damage before it escalates.

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