Keep calm and relax: What to do when your home is damaged
If your home is damaged, it can be heart wrenching on the emotions as well as the bank balance but if you’ve got the right insurance cover, there’s nothing to worry about.
If the damage is an emergency and you don’t have hot water, electricity or drinking water then call your supplier and insurance company immediately for the emergency cover protection that they should supply.
Dig out your policy documents with your policy number attached so that you’re ready for all the questions on the telephone. Also check your policy cover excess and check you have the funds to pay for what you need
Depending on the level of damage, you have a few options. Firstly, consider your excess on the insurance you have. If it’s £140 and it’s a cheaper job you’re better off funding yourself. However, if it’s £200+ then it’s time to get your insurance provider involved.
If you are going to make a claim, you need to decide who is liable. If it was you who caused the accident unintentionally then your insurance will cover it. However, if someone who doesn’t live in your home did the damage, then they are liable. If they don’t have any legal liability to stand up against, the process will have to go back through your insurer.
Before your insurer can respond with the finances for your claim you need to work out how much the repairs are going to cost. You will need to get various quotes from builders, plumbers or electricians and establish the cost of the repairs.
You will also need to keep notes on the finer details of the damage and take photos as evidence. Claims can take some time to be put through and accepted so you need to speed the process up as much as possible by being as prepared as you can.
Remember that this is what insurance providers are there for; they will be ready to provide you with the reassurance you need and work hard to respond to your requests. When it comes to insurance, as long as you’ve gone through a Defaqto 5 star home insurance, your property is in safe hands.
The only exception that insurance companies sometimes make to claims is when something could have been prevented. For example, if the damage to your home is caused by weather then prepare to be asked how recently you had maintenance carried out and whether you had recently checked that area of your home. As the old saying goes, prepare, or prepare to fail.