How Do I Make a Claim Under a Home Insurance Policy?

Answer:

If something happens for which you think you may be able to claim

  • Check you Home Insurance Policy Booklet and Schedule.
  • Read the booklet and the detailed Claims Procedure and Conditions
  • Decide whether the Claim is under  the Building  Insurance Policy or Contents Policy. If  both Policies are with the same Insurer seek their advice if you are uncertain. Alternatively speak to each Insurer separately.
  • In the case of malicious damage theft attempted theft  or accidental loss, contact the Police straightaway and obtain a crime reference number
  • Telephone the number shown in your Policy Booklet or on the Schedule.
  • Give the Insurance Company details of what has happened.
  • Do not undertake any repairs without seeking the approval of your Home Insurer, unless they are urgent and will prevent further damage from occurring.
  • Do not dispose of any damaged goods without your Insurers consent since they may want to see them. If you do you may prejudice your claim. Spoilt food may be disposed of once a list has been prepared.

  • If you have lost credit cards or cheque cards, tell the credit card company or bank  that issued them immediately.

Remember not everything that happens falls to be dealt with by your Home Insurance Building or Contents Policy.

The policies do not cover wear and tear or general maintenance.

Make sure you have complied with all the Terms and Conditions of the Policy and also any Endorsements.

Endorsements are such things as having door and window locks

What Happens Next?

Answer:

Depending on the Circumstances and the Value of the Claim the Insurance Company will 

  • Register the claim when you speak to them and send you a claim form in the post to fill in

They will then either

  • Deal directly with you and settle the claim in cash
  • Deal Directly with you and arrange for items to be replaced direct through one of their specified suppliers
  • Deal directly with you and arrange for one of their Approved Contractors to attend and undertake remedial work.
  • Send one of their Claims Inspectors to visit and review the claim with you Appoint an Independent
  • Firm of Loss Adjusters to deal with your claim on their behalf.

Who are Loss Adjusters?

Loss Adjusters are Claims Experts appointed by Insurers to act for them in agreeing settlement of claims. They have a detailed knowledge of Insurance Policies, they are engaged by many different insurers. Their aim should be to deal fairly with your claim and to provide assistance in resolving problems. They are not appointed to reduce your claim but to ensure that your claim is dealt with in accordance with the terms of the policy.( see Useful Contacts on the navigation bar or click on the link)

Loss Adjusters

If you consider you require the assistance of your own Expert you can appoint a Public Loss Assessor (see Useful Contacts on the navigation bar click on the link)  

Public Loss Assessor

to act on your behalf. They again are Claims Expert and they will  present  a claim on your behalf to either the Loss Adjuster or Insurer. The cost of employing a Loss Assessor would not form part of your claim and you would be responsible for paying their Fee.

For more detailed explanation of Home Building Insurance Claims and Home Contents Insurance Claims use the navigation links on the left or the Links below

What happens when I make a Home Insurance Building Claim?

What Happens When I Make a Home Insurance Contents Claim?

 

Home   What is covered under a  Home Insurance Policy   What is covered under a  Building Policy   What is covered under Accidental Damage Building Policy ?   How do you calculate the Building Sum Insured   Building Sums Insured for Listed Building / Period Properties?   What is covered under a Contents Policy   Other Cover Under A Contents Policy?   What is covered under Accidental  Damage  Contents Policy ?   How do you calculate  the  Contents Sum Insured?   How do I get a Home Insurance Quotation?   What is a Home Insurance Proposal Form?   How do I make a claim under a Home Insurance Policy?   What Happens When you make a Contents Claim?   What happens when you make a Building Claim?   How do I make a Complaint under a Home Insurance Policy?   Home Insurance Forum   Home Insurance Useful Contacts   Home Insurance Glossary of Insurance Terms  

 

Home
What is covered under a Home Insurance Policy
◦ What is covered under a Building Policy
◦ What is covered under Accidental Damage Building Policy ?
◦ How do you calculate the Building Sum Insured
◦ Building Sums Insured for Listed Building / Period Properties?
◦ What is covered under a Contents Policy
◦ Other Cover Under A Contents Policy?
◦ What is covered under Accidental Damage Contents Policy ?
◦ How do you calculate the Contents Sum Insured?
How do I get a Home Insurance Quotation?
◦ What is a Home Insurance Proposal Form?
How do I make a claim under a Home Insurance Policy?
◦ What Happens When you make a Contents Claim?
◦ What happens when you make a Building Claim?
How do I make a Complaint under a Home Insurance Policy?
Home Insurance Forum
Home Insurance Useful Contacts
Home Insurance Glossary of Insurance Terms
Disclaimer
Links
Site Map

 


HOMEINSURANCEANSWERS.
www.Homeinsuranceanswers.com