If your home is in a flood-risk area, you may already be covered by Flood Re, a joint scheme between the government and the insurance industry designed to keep flood cover affordable. Here’s what it actually covers, who’s excluded, and what it means if you need to make a claim. What is the Flood Re […]
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April this year saw the sad occurrence of a fatal house fire in Sheffield which claimed five lives. Police say that ‘the most probable cause’ was a faulty charging device, but were unsure of what the device was. However, this sad event highlights the importance of making sure that your electrical equipment is safe, including […]
Read moreConsumers are constantly trying to find the best insurance deal and many are confused by the sheer choice of policies, different types of insurance and the like. Although Insurance Claim Solutions acts on the claims side of the insurance industry, we take an interest in consumer needs. There has been talk recently about a possible […]
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Insurance companies use suppliers to try and settle building and contents claims – this can range from an electrical supplier through to using their own building contractors, surveyors and project managers. Whilst this is advertised by mainstream insurers as a way of helping, more often than not this complicates the claim process and ends in […]
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A house fire is one of the most disorienting things a policyholder can go through, and the insurance claim that follows often adds to the stress rather than easing it. Here’s exactly what happens, stage by stage, when you report a fire damage claim, including realistic timeframes and what to have ready at each step. […]
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Severe weather doesn’t just damage property, it puts you straight into a negotiation with your insurer at the worst possible time. Here’s what a loss assessor actually does for a storm, flood, or wind damage claim, and how it differs from dealing with your insurer alone. UK winters regularly bring a mix of flooding, gale-force […]
Read moreWith the water table remaining so high, it is important not to bow to insurer pressure to carry out a repair to your home. You may also feel like you want to get on with the repairs and get your life back. The potential to flood again is high and if repairs are carried out […]
Read moreIt is at this stage, some four weeks after the floods and storms that your claim will start to stand still. It is likely you have been moved out of your home and are in temporary accommodation but the loss adjuster or representative is now overwhelmed with paper work from smaller claims leading to a […]
Read moreIndependent loss adjusters or independent loss assessors act on behalf of the public when they suffer loss or damage to their home or business. The loss assessor’s role is to manage the claim effectively for the policyholder, ensuring that all areas of damage are covered. It is important to ensure that the loss assessor acting […]
Read moreIn an ever changing industry, Aviva has bought a building repair network, Asprea, to manage all of their building claims. Whilst it is not unusual for an insurer to have an owned validation service, it does mean there is a lack of independence in the claim process. Additionally, the Asprea field operatives we have encountered […]
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