Remove any danger
It sounds like common sense but if your house has suffered damage such as flooding or a potential gas leak, be sure to deal with that first before you start calling up your insurer. Just be sure to keep all receipts for any essential work so that your insurer can reimburse you.
Call your provider
When you call up, be prepared to give an accurate and detailed description of damage and have a clear idea of what needs to be repaired. A large number of insurers will allow you to choose your own tradesman, but just make sure you’ve been given the green light before you have any work done.
Photograph the damage
Pictures don’t lie, so the best way to document any damage is to photograph or record every room of your house so that you can provide your insurer with evidence to support your claim.
Arrange alternative living arrangements
If you are unable to stay in your home due to damage, speak with your insurance provider about an alternative as this is something covered in many policies. Many companies will have arrangements in place with hotels so be sure to clear it with your insurer before booking any rooms.
Organise a damage assessment
If there has been substantial damage to your home and the claim is likely to be significant, the insurer may send a loss adjuster to your property. Company policy for most providers is to carry this out within 24 hours, but bear in mind that if there has been widespread damage this may take longer.
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