Protecting Your Home with Us
Home Claims Assist understands the distress homeowners face when dealing with unexpected events like burglary, fire, smoke, flood, impact, or storm damage. Our tailored support ensures a smoother claims process. We act swiftly, initiating contact with insurers and providing full representation. Our expertise ensures thorough assessment and advocacy for every aspect of your claim. Rest assured, we prioritise your interests, striving for a fair outcome while providing peace of mind during a challenging time.
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What Types of Property Damage Can Homeowners Claim For?
Whether your property has suffered a sudden event or gradual damage that has reached a critical point, our independent loss assessors manage the entire insurance claim on your behalf. We handle all communication with your insurer, coordinate professional assessments, and ensure nothing is missed from your settlement.
Not Sure What You Can Claim?
If your property has suffered damage and you have home insurance, there is a good chance you can claim. Contact us for a free, no-obligation assessment.
Get free adviceHow Does a Home Insurance Claim Work?
Making a home insurance claim can feel overwhelming, especially if you have never been through the process before. Your insurer will appoint a loss adjuster to assess the damage on their behalf. Their role is to evaluate the claim and recommend a settlement figure to the insurance company. While loss adjusters follow professional standards, they represent the insurer — not you.
A loss assessor, by contrast, works exclusively for you. At Home Claims Assist, we manage every stage of the claim so you do not have to navigate the process alone. From the initial damage assessment through to the final settlement, we handle all insurer communications, prepare detailed documentation, and ensure every aspect of the damage is captured and properly valued.
You can read a full breakdown of how our claims process works, including typical timelines for different types of damage and what to expect at each stage. Most homeowner claims are resolved within 8 to 16 weeks, though complex claims involving structural damage or disputes can take longer.
What Does Your Home Insurance Policy Cover?
Home insurance policies vary, but most standard buildings and contents policies cover the following when damage results from an insured event such as fire, flood, storm, or escape of water:
One of the most common issues we see is homeowners not realising the full extent of what their policy covers. A burst pipe claim, for example, does not just cover the visible water damage — it should also include drying programmes, hidden damage behind walls, electrical testing, and redecoration throughout affected areas.
What Mistakes Do Homeowners Make With Insurance Claims?
After years of managing home insurance claims, we consistently see the same avoidable mistakes. Being aware of these can make a significant difference to the outcome of your claim.
Accepting the first settlement offer
Insurers often start with a lower figure. Many homeowners accept without realising the offer may not reflect the full extent of damage, particularly hidden issues behind walls or under floors.
Not documenting everything before clean-up
Photographs, videos, and written inventories taken before any clean-up or repair work are essential evidence. Once damage is cleared, proving its full extent becomes much harder.
Undervaluing contents claims
Replacement costs for furniture, electronics, clothing, and personal items add up quickly. Many homeowners forget items stored in lofts, garages, and cupboards that were also damaged.
Not claiming for alternative accommodation
If your property is uninhabitable, your buildings insurance typically covers temporary housing. Some homeowners stay with family and miss this entitlement entirely.
Handling complex claims without professional help
Insurance companies have teams of experienced claims handlers and loss adjusters working in their interests. Navigating this process alone can mean accepting less than you deserve.
If you are unsure whether to appoint a loss assessor, read our guide on loss adjusters vs loss assessors to understand the difference and when professional representation makes the most sense.
Need help with your home insurance claim?
Don't let the stress of property damage overwhelm you. Our expert loss assessors will handle your claim from start to finish, ensuring you receive the settlement you deserve.
Frequently Asked Questions
A loss assessor works exclusively on your behalf — not the insurer's. We manage your entire insurance claim from the initial damage assessment through to the final settlement, handling all paperwork, negotiations with the insurer, and coordination of reinstatement works. Our goal is to ensure you receive the maximum settlement you're entitled to under your policy.
We initiate contact with your insurer as soon as you instruct us, typically within 24 hours. Our team acts swiftly to begin the claims process, arranging initial assessments and ensuring all time-sensitive steps are handled without delay.
Your initial consultation and property assessment are completely free. Our fee structure is transparent and agreed in writing before we start any work, so you always know exactly where you stand.
We assist with a wide range of insured perils including fire and smoke damage, flood and water damage, storm damage, burst pipes and escape of water, impact damage from vehicles or falling objects, burglary, and subsidence. If it's covered by your home insurance policy, we can help.
If your home is uninhabitable due to damage, your insurance policy typically covers alternative accommodation costs. We handle this aspect of your claim, ensuring you and your family have somewhere suitable to stay while reinstatement works are carried out.
Yes. If you feel your insurer's initial settlement offer is too low or doesn't fully reflect the extent of your damage, we can review the offer, conduct our own independent assessment, and negotiate on your behalf for a fairer outcome.