How to Make Home Insurance Claims

Learn how to make a home insurance claim in the event of any kind of accidental damage and what kind of impact previous claims have on your future home insurance premium.

Updated: May 22, 2024
Matt Crabtree

Written By

Matt Crabtree

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Generally speaking, your house and the things inside of it are probably one of the most significant investments that you're ever going to make throughout your life, so it should be fairly obvious at this point that home insurance is a requirement for anyone looking to own their first property.

Still, while it's clearly essential, it's something that you'd generally never want to have to use, as home insurance claims follow you throughout the rest of your credit journey and run the risk of making your premiums more expensive in the future. 

Having said that, if some kind of damage or accident has happened within your house — far more serious than something like a minor carpet spillage, for instance — then you're going to need to learn how to make an insurance claim.

The problem is, though, it can naturally be a little bit daunting when you're only new to home ownership and insurance in general. So, throughout this article, we'll be breaking down how to make a successful claim on your home insurance in the United Kingdom — helping you make a stressful situation a little bit simpler.

Understanding Your Home Insurance Policy

When you first signed up for your house insurance policy, you would've been given some home insurance documents that basically outline what your insurer is actually going to cover, including things like the types of incidents they'll compensate for and if there are any particular exclusions.

Obviously, you're not going to go very far trying to make a straightforward claim on something if your home insurance provider pretty clearly mentioned that they wouldn't cover that sort of thing from the beginning, so try to take the time to review your policy beforehand so you've got an idea of your level of protection.

Initiating the Claims Process

Generally speaking, time is of the essence here, so if there's been some kind of damage or accident inside your home, you don't want to wait around before getting started with the claims process.

Fortunately, most insurance companies actually offer quite a lot of different channels for you to use when reporting claims, whether it's via a phone call or an in-person visit to their offices — you can even make a claim online if that's more convenient.

So, when you start making your insurance claim, it's obviously pretty important to be as accurate and detailed as possible about whatever incident happened — including things like the date and time that it happened, a description (or better yet, an image) of the damage or loss incurred, and whatever other relevant documentation you can think of the help support your claim.

Again, you really don't want to be dragging this process out, so be prepared with your policy number and contact information when your insurance provider asks you so you can expedite the overall claims process.

Documenting Your Loss

Following on from the previous point, documentation is really important here once you've taken the first step and reported the incident to your insurer.

Make sure you're taking as many photographs and videos of the areas of your home that have been affected so you can show what kind of damage has been done to them (or where items that have been stolen where previously located, like a television stand without your television on it).

It can always help to keep a hold of receipts, invoices, or any other proof of ownership you might have for these items, too, as you might need some of this information to support your claim.

If necessary, you might also want to arrange temporary repairs in case you're at risk of any further damage to your home — say, if a storm caused significant damage to your house, for instance — but you'll still want to make sure you've consulted with your insurer beforehand so you can check if they'll be covered under your policy or not.

In some cases, you might even find that your insurer sends a loss adjuster so they can assess the damage and figure out what the appropriate course of action is themselves, so this can take a bit of the burden off your shoulders..

Receiving Compensation

So, once your insurer has finally processed your claim — this normally won't take too long — and figured out how much they're going to pay you, you'll receive compensation for your loss!

Naturally, the specific claim amount that you'll receive is going to depend on your insurer's particular terms, but the payment will always be made directly to you either way.

Having said that, you've always got the option of allowing them to use the funds to arrange for some quality repairs or replacements to be made on your behalf, so you've got a bit of flexibility here as far as how you want to use your compensation.

Again, just try not to make claims too frequently if you can avoid it, as it's only going to lead to higher insurance premiums in the future.

Related Guides:

FAQs

How Long Do I Have to File a Home Insurance Claim After an Incident Occurs?

Will My Home Insurance Cover Damage Caused by a Burst Pipe or Plumbing Leak?

What Should I Do If I Disagree With the Settlement Offered by My Insurance Company?

Will My Home Insurance Cover Damage Caused by a Power Outage or Electrical Surge?

What Should I Do If I Need Immediate Assistance With My Home Insurance Claim?

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