Claiming on Home Insurance: How We Handle Your Claim From Start to Settlement
Making a claim on your home insurance should be straightforward, but the reality is rarely that simple. Insurers have their own processes, their own timescales, and their own professionals working to manage costs. If you're claiming on home insurance for the first time — or dealing with a complex claim — having a loss assessor on your side ensures you get the settlement you deserve.
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How Long Does Claiming on Home Insurance Take?
The honest answer: it depends on the complexity of your claim. Here are typical timelines based on our experience.
We work to eliminate unnecessary delays. Many claims drag on because of incomplete paperwork, slow insurer responses, or disputes over valuations. Our proactive approach — preparing comprehensive documentation upfront and maintaining pressure on the insurance company — consistently accelerates the claims process.
What Can You Claim For?
Home insurance covers more than most people realise. If your home insurance covers the damage, we make sure the claim reflects the full extent of what's covered — including elements many policyholders don't know they can claim for.
Walls, floors, ceilings, roofing, foundations
Furniture, electronics, clothing, personal items
Hotel, rental property, or family reimbursement
Surveyors, engineers, loss assessor fees (sometimes recoverable)
Boarding up, water extraction, making safe
For landlord policies
For commercial property policies
If covered under your policy
What If My Insurer Rejects My Claim?
Rejection isn't necessarily the end. Insurers sometimes decline claims on grounds that can be challenged:
- Misinterpretation of policy terms
- Incorrect allegation of poor maintenance or wear and tear
- Dispute over when or how the damage occurred
- Claim that the damage isn’t covered when it actually is
We review the insurer's reasoning, examine your policy wording, and advise whether there are grounds to challenge the decision. If the insurer won't budge, we can help you escalate to the Financial Ombudsman Service.
Opening hours: Monday to Friday, 9:30 AM to 5:30 PM, with 24/7 emergency support for urgent situations like fire, flood, or home emergency situations.
What Happens When Your Insurer Disputes a Claim?
The insurance claim process typically involves back-and-forth between you and the insurer. Without professional representation, policyholders often accept the first offer — which is rarely the best offer.
Disputed Cause of Damage
Insurer claims wear and tear or poor maintenance instead of an insurable event. We gather evidence to prove otherwise.
Undervalued Loss Adjuster Assessment
The loss adjuster’s valuation is lower than the actual cost of repair. We prepare independent costings to challenge their figures.
Excluded Items
Insurer excludes items from the claim that should be covered. We review your policy and fight for full inclusion.
Claims Process Delays
Delays in the insurer claim process that leave you without a settlement. We maintain pressure and escalate when necessary.
Accommodation Disputes
Disputes over alternative accommodation costs or duration. We ensure your temporary housing needs are fully covered.
Repair vs Cash Settlement
Cases where the insurer wants to manage repairs but you prefer a cash settlement. We negotiate your preferred outcome.
Whether you're dealing with fire, flood, storm damage, burst pipes, or accidental damage, Home Claims Assist takes the entire burden off your shoulders so you can focus on getting back to normal.
What Types of Property Damage Can You Claim For?
Our claims process is the same regardless of the type of damage, but each peril has its own complexities. For detailed guidance specific to your situation, visit the relevant page:
We serve homeowners, landlords, and business owners across the UK. Whatever type of property damage you are dealing with, our independent loss assessors provide professional representation from the first call to the final settlement.
Ready to start the process?
Contact us today for a free consultation. Our team will explain exactly how we'll handle your claim and answer any questions you have.
Frequently Asked Questions
The duration varies depending on the complexity of your claim. Straightforward claims may settle within a few weeks, while major structural damage cases can take several months. We work proactively to progress your claim as quickly as possible, and we keep you informed at every stage.
A loss assessor works exclusively for you, the policyholder, to maximise your settlement. A loss adjuster is appointed by and works for the insurance company to assess and often minimise payouts. Having a loss assessor on your side ensures your interests are properly represented and your claim is fairly valued.
It's helpful but not essential. If you're unable to be at the property, we can arrange access with a keyholder. We'll document everything thoroughly with photographs, measurements, and detailed notes, and share our findings with you afterwards.
No. Once you instruct Home Claims Assist, we handle all communications with your insurer and their appointed loss adjuster. You won't need to navigate complex policy wording, respond to information requests, or attend negotiation meetings — we do all of that for you.
If your insurer disputes or rejects your claim, we'll review their reasoning and advise you on the best course of action. We have extensive experience challenging unfair decisions and can escalate matters through formal complaints procedures or the Financial Ombudsman Service if necessary.
Yes. It's never too late to get professional help. Whether your claim has just been submitted or you've received a settlement offer you're unhappy with, we can step in at any stage to review, advise, and negotiate on your behalf.