Home Insurance Claims

When you need to make a home insurance claim for damage to your property, get in touch with Aspray.

How we help with your Home Insurance Claim

Your home is often an extension of your family

To see it damaged can cause tremendous stress and devastation. Aspray offer you a helping hand to settle your claim and reinstate your property as quickly as possible.

Damage to your home is distressing and putting it right can be a challenge. When life is busy, finding the time to speak with insurers and organise contractors, means taking time away from family or work.

Without relevant experience, most people can only make assumptions on what building works are required to return their home to its pre-loss condition. Our network is trained to check for potential damage in places you may not think to look. We also have access to a network of third-party consultants who may be called upon should your claim require a specialist report

The Aspray Claims Process

Assessing the Damage 

We always book a specific appointment time to visit you at your home, so that you are not sat waiting. Once you have reviewed and signed the mandate, your Aspray Loss Assessor will evaluate the damage and begin compiling a scope of works for your insurer.

 

Dealing with your Insurer Directly 

An insurance policy is a legal contract often containing complicated terms and conditions. Our expert team understand how to interpret your policy wording, present your case correctly to your insurer, or their Loss Adjuster, and negotiate to achieve the settlement you are entitled to.

Contractors - Completing Reinstatement Works

Project Managing Contractors 

Without Aspray, it is often down to you, the homeowner, to find tradespeople to complete the repairs, this puts the responsibility of checking the quality of the contractor firmly in your handsYour insurer is not responsible for poor workmanship of contractorsmeaning you would have to take any reoccurrence caused by bad workmanship up with the contractor directly. 

 

We are committed to customer satisfaction!
No claim is complete until you sign to say you are happy with the reinstatement works.

WINNERS

‘Outstanding Services to the Policyholder’

Two years running at the British Claims Awards, 2021 & 2022

Our Services

What type of damage has your home suffered?

Fire Damage

Fire devastates homes and families. If you have experienced a fire at your home and you need to make a claim, Aspray can help.

Flood Damage

Flooding has become more extensive in recent years. If you need to make an insurance claim due to flooding, Aspray can help.

Water Damage

Whether it's a escape of water from a burst pipe or an ingress of water from a leaky roof, if you're making an insurance claim, Aspray can help.

Storm Damage

We've seen our fair share of bad storms in the UK in recent years. If your home has been damaged and you're making an insurance claim, Aspray can help.

Impact Damage

A more common occurrence than you may think. If you are making a home insurance claim due to impact to your property, Aspray can help.

Subsidence and Heave

These are often complex and lengthy claims. If you're making a subsidence insurance claim at your home, Aspray can help.

What is the Cost?

Unlike some Loss Assessors, we can manage the whole claim right through to completion and our loss assessing service is *free to the policyholder, providing we can use our vetted contractors to carry out the reinstatement works. However, any excess stated within the policy will still apply and is payable by you, the policyholder.  

If you are a VAT registered company or individual, please be aware you are responsible for paying the VAT of the settlement, however, you can claim this from HMRC on your next VAT return. 

Need to make a home insurance claim for damage to your property? Contact Aspray

How long does a Home Insurance Claim take?

All home insurance claims vary in time length. The process is dependent on the type of damage incurred at your property, the speed of your insurer and whether they need to appoint a loss adjuster or claims management company to assess the damage on their behalf.  There may even be instances where damage needs to be investigated or monitored over a period of time, this can all lead to a longer claim process.

Your Aspray Loss Assessor will handle all negotiations with your insurer, meaning we will chase and aim to progress your claim as quickly as possible.

Health and Safety in your Home

If your claim requires more than one contractor, you become responsible for the health and safety of the contractors whilst they work in your property under the Construction (Design and Management) Regulations 2015. By instructing Aspray, we become the principal contractor for your claim reinstatement, thereby taking that responsibility away from you. We would manage the health and safety of contractors when they are working in your property on your behalf

Successful Claims

See examples of the Aspray service in action, with case studies based on different perils. There may be a case study that is similar to your situation. If you want to find out more about a particular case study, please don’t hesitate to get in touch. 

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