My GF has lost a lot of stuff in the recent Cornwall floods -
fortunately well insured. Most of the loss is materials and equipment
associated with her profession, and a little personal stuff - all of
it at her (part-time) employers premises.

She's finding it very difficult even to make a list of what was lost -
it is literally *lost* to the flood.

The other trouble is a lot of it is stuff she's collected over her
career - old, antique, irreplaceable,and hard to price. Amongst one of
the hardest losses for her is all her old textbooks - containing a
lifetime of personal notes/amendments/additions to the pages.

Of course, in months to come, she'll remember stuff that's lost - when
she actually needs to use it again.

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From anyone that's suffered this sort of loss - have you got any
advice about making a sensible, rational claim - but one that fully
reflects the magnitude of the loss?
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There may also be consequential effects on lost customers (she also
contracts elsewhere) due to the disruption. Again, hard to quantify.

In this particular case, there's no possibility that she or her
employer could be considered negligent in relation to the loss in any
way - up to date, modern and well-maintained flood defences were
overwhelmed.

Sorry - can't go into more detail about what she does.