If your home or premises has been damaged by impact it is likely to need immediate attention.
The local authority or emergency services will try their best to make your property secure but are unlikely to have the resources to fully evaluate any long-term damage to the structure.
How Does A Loss Assessor Help With An Impact Damage Claim?
The damage caused by impact may not always be immediately visible. Structural cracks behind plaster or plasterboard may be concealed, but ICS has the expertise to deal with this problem. This can lead to your insurance company significantly underpaying on your claim, or worse yet, rejecting your claim altogether.
Our structural engineers provide a comprehensive report, tailored to your buildings insurance entitlement. We also have the resources to ensure emergency support and stripping out is carried out correctly and under supervision.
Alterations to the building may also raise issues of building regulation compliance and planning permission. ICS can deal with this on your behalf. We have worked with several clients in Brighton, London & across the UK.
Impact damage claim loss assessor
Appointing a loss assessor to deal with your insurance company frees up your time and ensures that your claim is handled by home insurance experts. You should never feel compelled to accept the first settlement that your insurer offers.
Insurance Claim Solutions are authorised and regulated by the financial conduct authority and act as your guide throughout the claims process. We are based in Brighton & work with clients across the UK.
Looking For Help With An Impact Insurance Claim?
Insurance Claim Solutions have the expertise and capacity to organise the following on your behalf:
- Conduct a site visit to determine the true extent of the damage
- Boarding up, emergency repairs and making safe.
- Arrange alternative accommodation through insurance approved letting agents
- Secure an interim payment for any hotel costs incurred
- Provide a structural engineers report and charted surveyors specification
- Secure the best settlement offer possible for you
- Help secure tradesmen to restore your property
If you have a claim or would like to speak to someone, please complete the form below and we will aim to get back to you within 2 hours.
Or Call us on 01273 573888
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Frequently Asked Questions
What counts as impact damage for an insurance claim?
Impact damage typically means physical damage to a building caused by a vehicle, falling tree, or other object striking the property, rather than damage from weather, flooding, or fire. It can range from a car hitting a wall to a falling branch damaging a roof.
What if the damage isn't visible straight away?
This is common with impact claims. A collision or falling object can cause structural cracks behind plaster, plasterboard, or brickwork that aren’t obvious on first inspection, but can affect the building’s integrity over time. This is exactly why a proper structural engineer’s report matters, superficial visible damage often understates the true extent of what needs repairing.
Does my policy cover a structural engineer's report?
Most buildings insurance policies covering impact damage will cover the cost of a structural assessment where it’s needed to establish the extent of damage and the correct scope of repair. We arrange this as part of managing your claim, so the insurer receives a report that properly reflects your entitlement rather than a superficial estimate.
What if my insurer says the damage is pre-existing, not impact-related?
This is one of the most common ways impact claims get disputed or underpaid, insurers may argue that cracking or structural issues existed before the incident rather than resulting from it. A proper structural report, gathered promptly after the impact, is the strongest evidence against this argument, which is part of why appointing a loss assessor early matters.
Do I need planning permission or building regulation sign-off for impact repairs?
It depends on the scale of the damage and the repair work needed. Significant structural repairs can raise building regulation compliance issues, particularly if the original structure needs altering rather than simply reinstating. We handle these considerations on your behalf as part of managing the claim.
Can I stay in my property while impact repairs are carried out?
It depends on whether the damage affects the property’s structural safety or habitability. Where alternative accommodation is needed, we help arrange this through insurance-approved letting agents and can secure an interim payment to cover the cost while repairs and the claim are ongoing.