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.
The insurance claim process for homeowners
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.
