Ways to avoid problems with Home Insurance Claims
Storm damage, flood damage, burglaries & more: read the following tips to help avoid problems with home insurance claims.
STORM DAMAGE CLAIMS – KEEP ANY LOCAL RECORDS
If you suffer as a result, for example, from a storm or other local incident, keep any regional or national newspaper reports about it as evidence in case the insurer is tricky. Also, if you can, acquire local weather reports.
DON’T OVERLOOK PEST CONTROL
Vermin can damage not only your health but your property as well. Damage caused by pests including rodents is often not covered under household insurance. So keep such creatures at bay. A cat, of course, may resolve this for you!
DON’T CHANGE YOUR STORY WHEN MAKING A CLAIM
Calls will be recorded so saying something was said on the phone when it wasn’t, or tweaking the story, is likely to be counterproductive.
CHECK YOUR SECURITY MEASURES CONFORM TO WHAT IS REQUIRED
Make sure you have the right type of lock on doors and/or windows and, perhaps the burglar alarm the insurer demands. Speak to the insurer if in doubt.
DON’T TELL THE WORLD YOU ARE GOING AWAY
In the old days it was known not to discuss your holiday plans in local shops. Or for that matter to put a home address for all to see on a luggage label as you left for a foreign destination.
Now some people don’t think twice about advertising their holiday plans on Twitter or Facebook. Tweeting that you are away probably won’t invalidate a claim but should an insurer find out about it it may well make it somewhat twitchy.
BELONGINGS AT UNIVERSITY
With young people moving onto college or university, check what cover there may or may not be under the household insurance for the possessions they are taking to college.
PROTECT YOUR HOUSE KEYS
It is disconcerting how observant people can be when sitting for instance on the top of a double decker bus. Or just meandering by on foot. Also how thieves are conversant with predictable hiding places. So don’t leave your house keys somewhere obvious such as under a flowerpot or doormat outside a door or let yourself be observed hiding them.
If you think keys have fallen into the wrong hands, possibly those of a workman you now consider untrustworthy, change the locks.
HAVE REGULAR CHECKS DONE ON HOUSEHOLD PIPES
Pipes carrying oil, gas or water can cause any amount of trouble if neglected. Proving something did not come about because of wear and tear can be very difficult not to mention the problems in clearing things up. So keep up to date with any servicing appointments.
IS THERE CCTV IN THE AREA?
If you do have a burglary find out if there is any CCTV nearby that might just have footage that can yield up a clue.
What is the advantage of using a loss assessor to make your insurance claim?
Most of us assume that we’re well insured and that there’ll be no problem when it comes to claiming what we believe to be the full amount of the loss or damage we may suffer. If only it were that simple! Anyone who’s lived through such a misfortune in their home or business will tell you this is far from the case.
An insurance policy is easy to buy, but making a justifiable claim is now very time consuming and increasingly complex. Insurance companies employ loss adjusters to protect their interests – not yours. At Loss Assessors Ireland, we provide a complete claim management service, valuable support and professional advice to you, the policyholder. We will ensure that your claim is settled fairly and quickly, and that you receive everything you’re entitled to.
Some questions we can answer for you:
- Where do you stay while repairs are being carried out?
- How long will it take?
- Do you have to use the insurance company’s surveyors and contractors?
- Who decides what work has to be done?
- How will you know if the work is being carried out correctly?
- Who will prepare the contents and compensation claims?
- How will you know you’re getting what you’re entitled to?
- Who will co-ordinate the claims and deal with the daily telephone calls, meetings with the insurance company, loss adjuster, surveyor, contractors, suppliers etc?
If you’re a policy holder and you have to make an insurance claim, a professional loss assessor company like Loss Assessors Ireland would help you in managing your claim in general, right from beginning to end.
We can help in each step of the way, from preparing the paperwork all the way to more practical factors of the entire process. We will always strives to make sure that you gain the most equity and best settlement.
For more information on our any of our services, or to discover what makes Loss Assessors Ireland is one of the most renowned firms of loss assessors in Dublin, call our 24/7 number 087-1958363. Or contact us here