Home insurance is there to give you financial support if the worst happens. So if you need to claim, its important that you know what to do.
1. Read the policy carefully
To start with, when you receive the policy document read it carefully to know exactly what you are covered for, any limits or exclusions, and the steps you need to make a claim. For example, if you have been burgled, you will be expected to notify the police as soon as possible. And if anything is unclear, talk to your insurer.
2. Inform your insurer as soon as possible, if you need to claim
As soon as you think you need to claim, tell your insurer. The sooner they know, the sooner they can get your claim moving. If, for example, your home has been damage by fire or flood, arrange any temporary repairs to stop the damage from getting worst. Home buildings and contents policies will include a 24-hour emergency helpline service to give you advice and information.
3. Provide as much information as possible
The more detail information that you can give your insurer about the damage, and what you are claiming for the better. When claiming for damage or lost items, wherever you have them, provide receipts and any valuations to substantiate your claim.
While insurance cannot guarantee that you will not suffer financial setbacks. It can ensure that any unexpected and unwelcome events will not leave you struggling financially. Home Insurance in particular is one of the very few products that you buy hoping you will never have to use it. But if the worst happens, it will turn out to be one of the best purchases you have ever made.
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Dennis Bebo – MSC, BSC, DEA, CeMAP