Repairing Your Property after Impact with Expertise
Impact damage, whether from vehicular accidents or falling objects, can result in unexpected and substantial losses. Home Claims Assist specialises in navigating insurance claims related to impact damage, providing comprehensive support throughout the process. Our team assesses the extent of the impact damage, communicates effectively with insurers, and advocates for our clients to secure a fair settlement that reflects the true value of the losses incurred.
24/7 Support
Call Us Anytime
Expert Guidance
Years Of Experience
Peace of Mind
We'll Handle Your Claim
Satisfaction Guaranteed
Read Our Reviews
What Should You Do After Impact Damage?
Whether a vehicle has hit your property or a tree has fallen onto your roof, taking the right steps early protects your safety and your claim.
Ensure everyone is safe
If a vehicle has collided with your property or a tree has fallen, check that all occupants are safe. Call the emergency services if anyone is injured or the building feels structurally unsafe.
Call the police if needed
If a vehicle has struck your property, obtain the driver’s details and vehicle registration where possible. A police report strengthens your claim and may be needed for a third-party motor claim.
Secure the property
If the impact has left the property exposed — a hole in a wall, a broken window, a compromised door — arrange emergency boarding up to prevent further damage or unauthorised access.
Document everything
Photograph the damage from multiple angles, including the object that caused the impact (vehicle, tree, debris). Capture the wider scene as well as close-up detail.
Contact your insurer
Report the incident to your insurance company as soon as possible. You may also have a claim against the third party’s insurance if a vehicle was involved.
Contact Home Claims Assist
We can advise on whether to claim on your own policy or the third party’s insurance, and begin managing the process immediately.
What Types of Impact Damage Can You Claim For?
Impact damage comes in many forms. Whatever the cause, we have the experience to manage your claim effectively.
Vehicle Collision
Cars, vans, and lorries colliding with boundary walls, garden walls, buildings, and structural elements. One of the most common causes of impact damage to residential properties.
Fallen Trees & Branches
Trees falling onto roofs, walls, fencing, and outbuildings during storms or due to disease and decay. Damage can be extensive and include secondary water ingress.
Falling Objects
Satellite dishes, chimney pots, roof tiles from neighbouring properties, scaffolding, and construction debris causing damage to your building or contents.
Aircraft & Drone Impact
While rare, damage from aircraft, helicopters, or drones striking a property is covered under most standard home insurance policies.
Accidental Impact
Damage caused by reversing into a garage door, dropping heavy objects through a floor, or other accidental impact events that fall under your accidental damage cover.
Third-Party Impact
Damage caused by a neighbour’s contractors, delivery vehicles, or council works. We advise on the best route for claiming — your policy or the third party’s liability insurance.
How Do You Spot Hidden Structural Damage?
Impact damage often causes structural issues that are not immediately visible. A professional structural assessment is essential to identify the full scope of the damage.
- Shifted or cracked foundations not visible from the surface
- Compromised load-bearing walls that may appear intact externally
- Fractured underground utilities — water mains, gas pipes, drains
- Misaligned window and door frames indicating structural movement
- Internal wall cracks that appear days or weeks after the impact
- Damaged cavity wall ties that can affect structural integrity
We arrange independent structural surveys to identify all damage and ensure it is fully documented in your claim.
What an Impact Damage Claim Covers
Third-party claims: If a vehicle caused the damage, you may be able to claim against the driver's motor insurance. We advise on the best route and manage the process whichever approach is taken.
Impact Damage Claims Across the UK
Impact damage claims affect homeowners, landlords, and business owners across the UK. Whether a vehicle has struck a boundary wall, a tree has fallen through a roof during a storm, or debris has caused structural damage, these claims often involve hidden damage that is only discovered during professional assessment.
Impact events can also trigger secondary damage — a vehicle collision may rupture water mains, leading to flood damage that compounds the initial impact. Where a third party is responsible, there may be grounds for recovering costs beyond your insurance policy. We assess all available avenues as part of our claims management service.
For a clear overview of each stage of the claims process, visit our step-by-step guide. To understand why professional representation matters when your insurer sends a loss adjuster, read our explanation of loss assessors vs loss adjusters.
Property suffered impact damage?
Whether from a vehicle collision or falling objects, our specialist team will manage your impact damage claim and secure the settlement that truly reflects your losses.
Frequently Asked Questions
Insurance policies typically cover damage caused by vehicles colliding with your property, falling trees and branches, aircraft or drone impacts, falling satellite dishes or aerials, and other objects striking your building. We review your policy to determine the full extent of your coverage.
Ensure everyone is safe and call emergency services if needed. If possible, obtain the driver's details and vehicle registration. Take photographs of the damage and the vehicle's position. Report the incident to both the police and your insurer, and contact Home Claims Assist to manage your claim. We'll handle everything from there.
Yes, you may be able to claim against the driver's third-party motor insurance. However, claiming on your own home insurance is often faster and more straightforward. We can advise on the best approach and manage whichever route is most advantageous for you.
No. Impact damage can cause hidden structural issues such as shifted foundations, cracked internal walls, compromised load-bearing elements, and damaged underground utilities. We arrange independent structural surveys to identify all damage, ensuring nothing is missed from your claim.
Yes. Damage caused by fallen trees is generally covered under the storm or impact damage section of your home insurance policy. This includes damage to the building structure, roof, walls, fences, and outbuildings. We handle the full scope of the claim including tree removal costs where covered.
We initiate your claim within 24 hours of instruction. For emergency situations requiring immediate structural assessment or emergency boarding up, we can coordinate rapid response contractors to make your property safe while we begin the claims process.