Common Home Insurance Mistakes - CCS

Common Home Insurance Mistakes

When claiming on your home or building insurance, it’s essential to fully understand the mistakes that frequently lead to claims being denied or delayed. Here are our top five common insurance claim mistakes to avoid:

(1) Assuming You’re Covered for Accidental Damage

Some people don’t realise that accidental damage is not always automatically included in their home and building insurance policy. Accidental damage may cover you for unexpected disasters such as putting your foot through a ceiling, leaving the bath tap on and flooding your home or even from a puppy chewing through pipes!

Buying insurance shouldn’t be about getting the lowest price, it should be about ensuring you have the proper protection in your hour of need. If you are unsure, we’ll check your insurance policy to see whether it includes accidental damage cover.

(2) Cleaning Up Too Fast

After a fire, flood or any type of disaster, your first instinct may be to start cleaning up immediately. Whilst you must take steps to mitigate further loss, resist the urge to clean up the damage. You don’t want the insurer rejecting your claim because you didn’t follow their procedures or dispose of items that should be included as part of your insurance claim.

As part of our service, we will document all the damage and prepare a detailed quotation for your insurance company. Our surveys and reports are comprehensive to ensure full transparency for all parties involved.

(3) Not Filing on Time

According to Which, many insurers will give you up to 180 days to claim on your home insurance; however, the time limit for claiming your home insurance can vary from one policy to another.

Rather than missing the deadline for registering an insurance claim, let us take care of handling all communications with your insurance company, including filing the paperwork on time and attending meetings with their appointed Loss Adjuster.

Whether it’s a small kitchen fire or a catastrophic flood, you can rely on our approved builders, plumbers, electricians, and plasterers to reinstate your property to its pre loss condition.

(4) Misunderstanding Your Policy

Experience has shown us that many people don’t always read, or fully understand, the terms and conditions until it’s too late. Unfortunately, understanding your insurance policy is not always straightforward, especially as the terms and conditions can be open to interpretation.

That’s where we can help. You’ll have a professional to represent your best interests, someone who truly understands the fine print of the policy documentation and how to expertly navigate the claims process.

(5) Tackling Your Insurance Claim Alone

A common complaint the Financial Ombudsman receives about home and building insurance is that the settlement offer from the insurance company is not enough to complete the repairs or replace what was damaged. With over 20 years of experience, we are experts at negotiating with the insurance company to help you achieve the best possible settlement. For peace of mind, we only use approved contractors who are highly skilled and take great pride in their work.