This flowchart gives an outline to the insurance claim process explaining what you should expect to happen 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 gives an outline to the insurance claim process explaining what you should expect to happen 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 property safe i.e. switching off utilities and boarding up windows. |
![]() | ![]() | Meet with the Loss Adjuster to discuss your claim and policy coverage. Preparation is crucial and will impact the outcome of your claim. |
![]() | ![]() | Following your meeting, the Loss Adjuster's initial report will be submitted to the insurer. |
![]() | ![]() | A restoration company will be appointed to carry out initial clean up works. |
Stage 2 | ||
![]() | ![]() | 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. |
![]() | ![]() | Calculation for an interim loss of rent payment should be submited to assist cashflow. |
![]() | ![]() | If you have contents at the property, they should be listed and priced as part of your claim. |
![]() | ![]() | Loss of rent and buildings plan negotiation with the Loss Adjuster. |
Stage 3 | ||
![]() | ![]() | Once the Surveyor's building works have been agreed, contractors will tender to carry out to rebuild. You have the final |
![]() | ![]() | Once the loss of rent claim has been agreed, you should receive the settlement payment. |
![]() | ![]() | Your tenants are free to move back into the property as soon as building 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.