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She said that when an artwork is damaged, a gallery's insurer will appoint a specialist fine art loss adjuster to visit the museum.

But he said after the loss adjuster paid a visit, the family got another call which said they were calling it flooding.

A letter from the loss adjuster confirmed that an endorsement on the policy means "the insurer will not pay for any loss, damage or alternative accommodation caused by flood or flood arising from storm."

Mark Dalrymple, the fine art loss adjuster representing the painting's insurers, announced a "substantial" reward for information leading to its return.

David, and his HBJ partner Callum Jones, advised Marshall to establish contact with the loss adjuster, Mark Dalrymple.