According to research by the Association of British Insurers (ABI) more than one in five home insurance claims are rejected. Here are some useful steps to increase your chances of a successful insurance claim.
Step 1: Have the correct amount of cover
This is where buying insurance through a broker can really help. Home insurance policies with a high excess and no cover for situations such as wear and tear will probably be cheaper, but only if you never have to make a claim, which is the opposite of planning for the worst. We can work with you to make sure you have adequate cover should the worst happen
Step 2: Be prepared
If you claim an item is lost or stolen, insurers will want proof you bought it. So any big purchases you make, whether that’s a TV or an engagement ring, keep the receipt safe. It’s also worth taking a photo of the item, you can never have too much evidence.
Step 3: Maintain your home
Insurance is often agreed on the terms that your house is properly maintained. A lot of claims are turned down if this is found not to be the case. Things like storm damage need to properly repaired. Bonus tip: have your roof inspected every few years and keep proof that this has been done.
Step 4: React quickly
Most insurance providers give up to 180 days to make a claim, but it’s worth acting quickly just in case. If you take your time making a claim and the damage gets worse, nobody wins.
Step 5: Keep damaged items
It’s always tempting to do a total clean out after a fire or a flood but please do not throw away damaged items immediately. A lot of insurance companies will want to assess what you have lost so keep your contents. Avoid redecorating too, for the same reason.
Step 6: Take photographs
The more evidence you can provide, the better. Providers will always want more evidence, so the more you have, the stronger your position.
We can’t stress enough how important it is to have proper home insurance. Cheaper is definitely not always best so call us on 01482 707800 so we can help you arrange the right insurance for your home.