Making a Home Insurance Claim

When making a claim, be prepared to provide the following:

Claim processing times vary depending on the complexity of the claim and the type of insurance. Simple claims can take a few weeks, while more complex claims (e.g., property damage or business interruption) may take several months. We’ll provide you with an estimated timeline and keep you updated throughout the process.

Yes, if someone else is at fault, you can make a claim through your own insurance policy and seek reimbursement from the at-fault party’s insurer. In some cases, your insurer may handle this directly with the other party’s insurance company.

While making a claim may impact your premium, this is not always the case. Each insurer has different policies regarding how claims affect future premiums. Factors such as the type and frequency of claims, your claims history, and the nature of the claim will all be considered. We can discuss this with you when making the claim to give you an idea of what to expect.

Yes, it’s important to notify us and your insurer as soon as possible after an incident occurs. Most insurers require claims to be reported within a certain period, typically within 24 to 48 hours. Early notification helps to ensure that you don’t miss important deadlines and that your claim is processed smoothly.

If you feel the settlement offer is unfair or doesn’t reflect the full extent of the damage or loss, we’re here to help. We can assist you with the process of appealing the decision or negotiating a better settlement on your behalf. In some cases, a loss assessor or expert may be needed to further review the claim.

While it’s not required, a loss assessor can be a great asset if you’re dealing with a complex claim, especially in cases involving significant property damage or business interruption. They can help ensure that you receive a fair and accurate settlement. If needed, we can recommend trusted loss assessors to assist you.

Your claim’s approval depends on several factors, including the terms and conditions of your insurance policy, the type of claim, and whether the incident is covered under your policy. We’ll review your policy with you and guide you through the claims process to ensure everything is in order for approval.

If your claim is denied, don’t panic. We’ll help you understand the reason for the denial and discuss your options moving forward. This could include gathering additional evidence, appealing the decision, or reviewing your policy to see if there is any coverage that was overlooked. Our team will support you in navigating the next steps.

Most insurance policies require an excess (or deductible) to be paid when making a claim. This is the amount you’ll need to contribute before your insurer covers the rest. The amount of excess varies depending on your policy terms, and we can help you understand what this will be based on your individual coverage.

Yes, you can still make a claim even if you’ve filed claims in the past. However, multiple claims can impact your premium, and in some cases, your insurer may review your claims history before processing a new claim. If you’re concerned about how your previous claims may affect your current one, we can discuss this in detail.

Once your claim is submitted, we’ll keep you informed throughout the process. You’ll receive updates on key milestones such as claim approval, any required documentation, assessments, and settlement decisions. You can always contact us for additional information or assistance.

If you experience an emergency, such as a fire, flood, or significant property damage, please contact us or your insurer immediately. We can assist you in taking the necessary steps to mitigate further damage, such as arranging emergency repairs or securing temporary accommodation. Your safety and well-being are our top priority.