This flowchart shows an outline of the insurance claim process explaining what you should be prepared for in the coming months.

For a more in depth explanation of the insurance claim process, please read one of our thorough insurance claim guides.
This flowchart shows an outline of the insurance claim process explaining what you should be prepared for in the coming months.
For a more in depth explanation of the insurance claim process, please read one of our thorough insurance claim guides.
Stage 1 | ||
![]() | ![]() | Notify the insurance company. |
![]() | ![]() | Emergency contractors need to make your home safe i.e. switching off utilities and boarding up windows. |
![]() | ![]() | Find emergency accommodation, such as a hotel, family or friend's house. |
![]() | ![]() | Meet with the Loss Adjuster to discuss your claim and policy coverage. |
![]() | ![]() | Following your meeting, the Loss Adjuster's initial report will be submitted to the insurer. |
Stage 2 | ||
![]() | ![]() | A restoration company will be appointed to carry out initial clean up works. |
![]() | ![]() | A Chartered Surveyor should be appointed to your claim. To check their credentials, look for them on the RICs register online: www.rics.org/uk. |
![]() | ![]() | Find suitable long-term accommodation. There are many options available - please ask us for details. |
![]() | ![]() | Damaged contents should be listed and priced to submit as your contents claim. Photographic evidence and receipts are useful. |
Stage 3 | ||
![]() | ![]() | Contents and buildings claim negotiations with the Loss Adjuster. |
![]() | ![]() | Once the Surveyor's building works have been agreed, contractors will tender to carry out the rebuild. You have the final say on who is appointed. |
![]() | ![]() | Once the contents claim has been agreed you can opt for a cash settlement, replacement of items, or a combination of both. |
![]() | ![]() | You are free to move back home as soon as works have been completed. |
![]() | ![]() | Claim Settlement |
For a more in depth explanation of the insurance claim process, please read one of our thorough insurance claim guides.