Our Customers Love Us!

Home Insurance

Get a Quote

Get Quote

Home / Property Insurance / Home Insurance / Home Insurance Claims Guide

Home Insurance Claims Guide

Home Insurance Claims – Your Questions Answered

There is often much confusion amongst policyholders regarding settling home insurance claims. One of the most common questions we get asked is; am I covered for xyz situation? Of course every situation varies and each claim can be affected by the policy exclusions provided by a huge range of home insurance policies. However the claims process for most home insurance companies follows similar procedures and principles. Most notably, claims are settled on the principle of ‘indemnity’. The principle of indemnity is that the policyholder should be no financially better off or worse off after the event. The financial position should be the same. In the United Kingdom common types of home insurance claims are for burst pipes in freezing weather, fire related damage, theft or accidental loss.

If you have never submitted a home insurance claim before, you will not have the experience of going through the claims process. If you want to submit a home insurance claim, you should always contact your insurance company before you do anything else. In your policy documentation you will have a Claims Helpline telephone number. Most operate an out of hours service, to help you deal with more urgent claims (such as getting a tradesman out to fix a leaking pipe). When you ring this number one of the first things they want to establish, is whether or not you are actually covered under your existing policy for the claim in question. If there are specific policy exclusions – you may not have a valid claim. Some times this is not apparent on the first call and you may find your insurance company start to deal with your claim without actually admitting liability for it.. However, assuming the policyholder is covered, the telephone operator will then give them specific instructions as to what to do next. As it is highly likely you will need to call back at some point in the future, you will normally be assigned a claims number. All details of telephone calls and correspondence are logged against this number. A typical home insurance claim can take from between one week to six weeks, depending on the complexity and the potential repair work involved. More serious events such as flooding, can take a good deal longer. If you have to be re-housed during the restoration work, you will usually find that you are covered for ” Alternative Accommodation” . You insurance company or their appointed loss adjuster will help sort this out.

When dealing with home emergencies, it is only natural that home owners would like to rectify the problem as soon as possible. For instance a leaking pipe that is causing damage to the room below, needs urgent attention, to minimise the impact on other areas of the house. Another example would be when a roof blows off in a storm. Some people’s instant reaction would be to grab the Yellow Pages and ring up they closest emergency tradesman to come and fix the problem. If you choose to initiate a temporaryrepair yourself, to minimise the short term immediate damage, this is usually perfectly reasonable and is unlikely to invalidate the future home insurance claim….

However, if you take it upon yourself to employ tradesmen, to come up with a permanent solution to a damaged home – then at a later date submit a repair bill to the insurance company – it is possible that claim will be questioned or even rejected. This is because the insurer has no means of knowing whether the damage was even covered in the first place, or whether the contractors’ repair to it was professional and cost-effective. So before any permanent solutions are implemented, you must get approval from the insurer. For most building repair scenarios, you’re insurer is likely to want to get a number of different estimates from local suppliers or they may even have their own list of approved contractors. For most items of high value that have been lost or stolen, they may ask for proof of ownership. For this reason it is always a good idea to keep purchase receipts or valuations in a sdafe place, being able to produce these items after a loss can really help expedite a claims settlement. Likewise many insurance companies prefer to supply a replacement for lost contents items, by dealing with the original manufacturer direct to supply replacement. They can normally obtain a discount over retail prices and money saved on claims can help keep everyone’s premiums down In all situations their priority is to substantiate the loss. and during the process, they may need to appoint either their own or an independent loss adjuster to ensure that the proposed works or amounts are both reasonably priced and ( in the case of works) are carried out to a satisfactory standard.

A loss adjuster is often assigned to the home insurance claim, to make sure it is correct and the insurance company receives value for money. The threshold varies regarding when an adjuster is appointed can vary. For smaller claims (in the hundreds of pounds for single lost or stolen or broken items) – there is no real need to involve a loss adjuster. For example, a lost camera can be fairly easily replaced with identical, or very similar model of equivalent value. For larger more complex claims, that require the expert contribution of contractors, a loss adjuster may need to be involved. Although home insurance companies have vast experience in the nature and cost of building repairs, it is not until an adjuster actually goes to the policyholder’s home to view the damage in person, can a fair assessment of the repair bill be estimated. Building estimates from third party contractors can vary wildly. So an objective opinion of the loss adjuster can help determine that the claim itself is valid, and the work required to rectify the damage is fair and reasonable.

For a Home Insurance Quote contact Assetsure. We are able to offer insurance for a wide range of UK property types including nonstandard construction

Latest News & Advice

Woodworm Dry Rot

Woodworm Dry Rot

Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem....

Types Door Window Locks

Types Door Window Locks

Types of Door and Window Locks – when purchasing a home insurance policy, you may find that your insurance company want you to have certain security measures in force at your property. These should be studied most carefully as without the correct protection being in force, you may find your cover compromised in the event of a claim. For most people, this involves having good quality door and window locks. Good physical security at your property, will be of a far greater benefit in deterring Theft than having an alarm fitted, but not being a lock expert, have do you discover if you have the correct locks fitted at your home?...

Subsidence Structural Problems

Subsidence Structural Problems

Preventing or Dealing with Subsidence and Structural Problems.Whilst subsidence is usually covered by a building insurance policy, it is definitely something that you do not want to happen at your property if at all possible. Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish...

Why choose our specialist insurance cover?

Artboard 2 copy 18

Home Insurance from Assetsure icon-thin-chevron-down

Our Home Insurance can provide cover for your Buildings, Contents and Personal Effects. Monthly payments available

Artboard 2 copy 20

Legal Assistance as Standard icon-thin-chevron-down

All our policies include Legal assistance as standard up to £50,000 This offer Legal protection for problems relating to employment, contracts, property and personal injury etc.

Artboard 2 copy 21

Home Emergency as Standard icon-thin-chevron-down

All our policies cover Home Emergency as standard up to £500. this offers protection against unexpected events such as the failure of your main heating system, blockage of drains or failure of your domestic gas or electricity supply

Artboard 2 copy 22

£1,000,000 Cover for Buildings icon-thin-chevron-down

We automatically provide you with £1,000,000 cover for rebuilding cost of your property, ideal if you are unsure of your re-building cost.

Artboard 2 copy 17

Excellent service offered icon-thin-chevron-down

We like to offer all our customers a first class service, which is backed up by our Trust pilot ratings. We are open 7 days a week to assist you with your enquiries.

icon-instant_cover

Instant cover and policies icon-thin-chevron-down

Most of our policies you can now buy online and receive instant documentation. Of course, you are more than welcome to call us and we can provide your cover over the phone