Safeguarding Your Investments with Us
Being a landlord involves the responsibility of protecting your property investments. At Home Claims Assist, we understand the unique challenges that landlords encounter when navigating insurance claims. Whether facing business interruption, fire, flood, or theft, our specialised team is adept at managing claims for landlords of all sizes. We prioritise minimising disruptions and maximising returns on your investments by liaising with insurers, conducting thorough property damage assessments, and securing optimal settlements. With Home Claims Assist as your trusted partner, you can confidently manage your properties, knowing that your insurance claims are being handled meticulously and effectively.
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What Are the Most Common Claims for Rental Properties?
Rental properties face a higher frequency of insurance claims than owner-occupied homes. Delayed leak reports, tenant turnover, and the challenges of managing repairs remotely all add complexity. We handle the entire claim process so you can focus on managing your portfolio.
Can Landlords Claim for Lost Rental Income?
One of the most overlooked elements of a landlord insurance claim is loss of rental income. If your property is uninhabitable due to an insured event — whether that is flood damage, fire damage, or a burst pipe — your landlord insurance policy should cover the rent you are losing during the reinstatement period.
Many landlords either forget to include this in their claim or do not document it properly, resulting in under-settlement. We ensure loss of rental income is captured, evidenced, and included in every claim where the policy allows.
To build a strong rental income claim, we gather tenancy agreements, rental payment records, and letting agent statements to demonstrate the income you have lost. Where a property was between tenancies at the time of damage, we use market rental valuations to evidence what the property would have achieved. This level of documentation is critical — without it, insurers routinely reduce or reject the rental income element of a claim.
What Loss of Rent Covers
- The rent you would have received during the reinstatement period
- Rent lost while the property is being dried, stripped out, or repaired
- Income lost during void periods directly caused by insured damage
- Additional costs of re-letting the property after reinstatement, where covered
How Do You Manage Tenants During an Insurance Claim?
One of the biggest challenges landlords face during an insurance claim is keeping tenants informed, safe, and satisfied while repairs are carried out. We take this off your hands entirely.
A poorly handled claim can lead to tenant complaints, void periods, and reputational damage to your lettings business. Whether the damage was caused by a burst pipe, storm damage, or fire, our approach ensures tenants are supported from day one. We arrange temporary accommodation where needed, manage all communications, and provide regular updates so nobody is left in the dark.
Immediate communication
We contact your tenants directly, explain what happens next, and give them a single point of contact throughout the claim. Your property management team stays informed without handling the day-to-day.
Alternative accommodation
If the property is uninhabitable, your landlord insurance typically covers temporary housing for your tenants. We arrange this as part of the claim, ensuring suitable accommodation is sourced quickly.
Access coordination
We schedule all inspections, surveys, drying visits, and repair works around your tenants, minimising disruption while ensuring the claim progresses without unnecessary delays.
Reinstatement and re-letting
Our priority is getting your property back to a lettable condition as quickly as possible. We supervise reinstatement works, ensure quality standards are met, and coordinate handover so your tenants — or new tenants — can move back in.
If your properties are managed through a letting agent, we work alongside them seamlessly. Many estate agents already partner with us to handle claims across their managed portfolios, reducing the admin burden on both you and your agent.
How Does Claims Management Work for Property Portfolios?
Whether you own a single buy-to-let or a portfolio of rental properties, we provide the same standard of service. For landlords with multiple properties, having a consistent claims management partner ensures every claim is handled professionally without adding to your workload.
For HMO landlords and those with multi-unit properties, claims can affect several tenancies simultaneously. We manage the additional complexity of multiple displaced tenants, coordinating separate accommodation arrangements and ensuring each rental income stream is accounted for in the claim. The same applies to landlords with mixed-use properties where commercial insurance and residential cover may overlap.
Single Point of Contact
Whether you own one property or fifty, all claims go through a single dedicated claims manager. No chasing multiple contractors or adjusters.
Consistent Documentation
Every claim is documented to the same professional standard — detailed schedules, photographic evidence, and properly costed repair specifications.
Loss of Rent Recovery
We ensure rental income recovery is included in every claim where applicable, with supporting documentation from your letting agent or accountant.
Buildings and Contents
Both your building fabric and any landlord-owned contents (white goods, furnished properties) are assessed and included in the claim.
For a full breakdown of the claims journey, including typical timelines and what to expect at each stage, visit our claims process page. If your insurer has already appointed a loss adjuster and you are unsure what that means for your claim, our guide on loss adjusters vs loss assessors explains the difference and when professional representation is most valuable.
Rental property suffered damage?
Protect your investment. Our specialist landlord claims team will manage your insurance claim, recover lost rental income, and get your property back to a lettable condition.
Frequently Asked Questions
We manage your entire landlord insurance claim from start to finish. This includes assessing property damage, liaising with your insurer, coordinating reinstatement works, managing tenant communications, and negotiating the best possible settlement — including recovery of lost rental income.
Yes. Most landlord insurance policies include cover for loss of rent while your property is uninhabitable due to an insured event. We ensure this element of your claim is properly documented and included in your settlement, so you're not left out of pocket.
Absolutely. We handle all tenant communications related to the claim, including arranging alternative accommodation if necessary, coordinating access for inspections and repairs, and keeping them informed throughout the reinstatement process.
We handle claims for all insured perils affecting rental properties, including fire, flood, storm damage, burst pipes, escape of water, impact damage, subsidence, and malicious damage. Whether you own a single buy-to-let or a large portfolio, we can help.
Our priority is getting your property back to a lettable condition as quickly as possible. We supervise reinstatement works, ensure quality standards are met, and coordinate with contractors to minimise the period your property is vacant.
You can instruct us at any time. We'll then coordinate with your tenants professionally and sensitively. It's your property and your insurance claim — we work for you, not the insurer, and we'll handle tenant relations as part of our service.