Dealing with damage to your home is stressful enough, whether it’s a leak, fire, storm damage, or another unexpected incident. Understanding what happens once you make a home insurance claim can help take some of the worry out of the process and prepare you for what comes next.
Step One: Insurance Claim Acknowledgement
After you contact your insurer, they will log the details of the incident and give you a claim reference number. This is the official start of your insurance claim. Be sure to keep this number safe and organise all related paperwork and photos from the outset.
Step Two: Appointment of a Loss Adjuster
In many cases, the insurer will send a Loss Adjuster to your property. Their role is to assess the damage, investigate the cause, and decide how much of your insurance claim is valid under your policy. It’s important to remember: Loss Adjusters work for the insurer, not for you.
Step Three: Property Inspection
The Loss Adjuster may visit your home to inspect the damage. They will usually take photos, ask questions, and review any evidence you provide. This is why keeping detailed records — such as photos of the damage and receipts for any emergency repairs — is so valuable.
Step Four: Policy Review
Next, your insurer will compare the damage against the terms and conditions of your policy. They will look at exclusions, limits, and conditions before deciding how much they are willing to pay. Many homeowners find this stage frustrating, as the “small print” can reduce the payout.
Step Five: Settlement Offer
If your insurance claim is accepted, the insurer will make a settlement offer. This offer may not always cover the full cost of repairs, which is why many homeowners choose to have an expert negotiate on their behalf to make sure the settlement is fair.
Step Six: Repairs and Restoration
Once the settlement is agreed, repair works can begin. You want reassurance that the work will be carried out by vetted contractors who can start promptly and complete the repairs to a high standard. As well as provide a guarantee for the repairs.
Why Work With Concept Claim Solutions?
Handling a home insurance claim on your own can be stressful, time-consuming, and sometimes overwhelming. At Concept Claim Solutions, we work solely on your behalf, not the insurer’s.
* We prepare all the evidence for your claim
* We deal directly with the insurer and their Loss Adjuster
* We organise vetted contractors to complete the repairs (all with a 12-month guarantee)
Take the Next Step
If you are facing property damage and need to submit an insurance claim, do not go through it alone. Contact Concept Claim Solutions on 0808 178 6300 or start your claim online today.
We will handle the process for you and make sure you get the settlement and repairs you deserve.