When something goes wrong with your home, the first worry is often the cost of putting it right. Especially in the current economic climate. And the need to make a home insurance claim may be daunting.

For some, making a claim can be a complex process. You often need to think about what damage has been caused and why, policy terms (and jargon!), meeting with the insurers representative, negotiating, sourcing contractors, managing works and more.

Make a home insurance claim with Aspray

So, if you find yourself needing to make a home insurance claim, we have outlined some key steps to follow to make the process a little smoother.

#1 Fix the Cause and Protect from Further Damage

In some cases you may need to fix the cause of the damage before you make a home insurance claim. For example, if you have a burst pipe, call a plumber to fix the leak as soon as possible. Insurance policies do not cover repair of the cause, only the resulting damage. Therefore, in this instance the cost of the pipe repair will fall to you, the homeowner.

It is also imperative that you “take reasonable steps” to prevent any further damage from occurring to your property. During this process, you should keep a record of all expenditures as you may be able to claim some, or all, of the monies back as part of your claim settlement.

If you have home emergency cover, you may want to give your insurer a call before following this step. 

#2 Document the Damage

Take photos. Hunt out receipts. Log timeframes. The more information you can provide the better. Tidying up may be near the top of your list of things to do, but once the property is safe, it is best to leave it as is so that the insurer’s representative can see the full extent of the damage.

#3 Contact Your Insurer to Inform Them You Wish to Make a Home Insurance Claim

As soon as you are able, notify your insurer of your potential home insurance claim. You will likely need your policy number and details of the incident. Insurers are likely to ask:

  • What damage has occurred to your property?
  • The cause of the damage.
  • The date of the incident.
  • What, if any, steps you have taken to prevent further damage? This is often referred to as mitigating damage.

#4 Manage Communication with the Insurer

Depending on the size of your claim, this stage can be a lengthy process. It often involves meeting with the insurer’s representative at your property, having the damage assessed, providing quotes for repair, and having a good understanding of your insurance policy.

Keep a record of all the communication between yourself and the insurer. You may need to refer to it at some point during the claim process.

#5 Manage Contractors and Reinstatement Works

Sourcing contractors can be a hassle when you make a home insurance claim. You will need to source companies who are happy to complete insurance works – especially when there is a need to provide quotes for the reinstatement.

It is always disruptive having work completed at your home. If your claim is complex there may be a need for various contractors completing work at different times.  You may need to provide access to the property and manage the works carried out.

Get help!

As a policyholder, you are entitled to employ the help of a loss assessor who can manage the claim on your behalf. Regulated the Financial Conduct Authority, your loss assessor can deal with your insurer directly to negotiate a fair settlement for reinstatement.

Make a home insurance claim with Aspray

As the UK’s leading loss assessor, Aspray can manage your home insurance claim for you. 

Besides saving you time, there are other benefits to instructing the help of an Aspray loss assessor, such as:

  • Having an insurance expert on your side. Your assessor will be well versed in insurance lingo and understand the intricacies of your policy. This puts them in a much better position to negotiate the settlement.
  • Aspray loss assessors are trained to inspect the damage and compile a thorough report for your insurer. This includes investigating possible hidden damage where necessary and understanding any building regulation issues.
  • We work only with vetted contractors and manage the entire reinstatement project. The claim is only complete when you sign to say you are happy with the completed works.
  • You have one point of contact – your Aspray loss assessor. No need to remember all the representatives at the insurance company, the names of their field representatives, the contractors, the specialists – Aspray will manage them all.
  • There is no charge for the Aspray loss assessing service, providing we can carry out the reinstatement works using our vetted contractors. All you need to pay is your excess (and VAT if you are a limited company, however you can claim this from HRMC on your next VAT return).

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

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