Landlords
Let Aspray take the burden!
Experience has shown us that claiming on your landlord insurance can be a tricky and time-consuming process. Whether it is impact damage, a burst pipe or malicious damage by tenants it can all spell out big issues for landlords who do not want their rental income interrupted.
I was initially really worried about my tenants because they've got five children and I had a good rapport with them.
Julie P.
Let Aspray take the burden!
Experience has shown us that claiming on your landlord insurance can be a tricky and time-consuming process. Whether it is impact damage, a burst pipe or malicious damage by tenants it can all spell out big issues for landlords who do not want their rental income interrupted.
I was initially really worried about my tenants because they've got five children and I had a good rapport with them.
Julie P.
How we help Landlords
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.
Without relevant experience, most people can only make assumptions on what building works are required to return the property 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.
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.
Your Loss Assessor will be your one point of contact throughout the claim, handling all paperwork, and communication, taking the time to understand your needs and keeping you updated, giving you the confidence that your best interests are being taken care of.
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 hands. Your insurer is not responsible for poor workmanship of contractors, meaning you would have to take any reoccurrence caused by bad workmanship up with the contractor directly.
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.
We are committed to customer satisfaction therefore no claim is complete until you sign to say you are happy with the reinstatement works.
What is the Cost?
Unlike some Loss Assessors, we can manage the whole claim right through to completion and there is no charge to the policyholder for our loss assessing service, 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.
What can we do for Landlords?
Though every property damage situation is unique, Aspray can step to in to deliver an award-winning service to landlords by:
Managing your entire claim
From driving forward the settlement negotiations to project managing the repairs, Aspray manage it all on your behalf. It does not matter if you live hundreds of miles away from the property, we work with remote landlords even if you own property in the UK but reside in another country.
Alternative Accommodation or Loss of Rent
Sometimes the property may be uninhabitable for part or all the reinstatement. Aspray may be able to assist in arranging alternative accommodation for tenants in an inconvenient situation or recovering your loss of rental income.
Help with Contents
Your Aspray Loss Assessor may also be able to help with any landlord’s contents claim that may arise as a result of the property damage.
Aspray can help you claim on your building’s insurance, provided that the damage is covered by your policy. We have helped many landlords across the UK when they have found themselves in, what is often, an overwhelming situation.
Need to make an insurance claim for damage to your property? Contact Aspray
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