If you were one of the unlucky ones to have their homes damaged by our latest (but probably not last) storm of the winter – Storm Eleanor – you may be wondering how to make a home insurance claim.
With Adrian Flux it couldn’t be easier to make a home insurance claim. You simply call the claim hotline on 0344 381 6505 and have your policy number handy.
If we are closed, visit our home insurance claims page which contains telephone numbers for our panel of home insurance providers.
Remember, storm season is a very busy time for insurance companies so you may not get through first time. Be patient and keep trying.
How to make a home insurance claim less stressful
But there are other things you can do to help Adrian Flux make sure your home insurance claims is handled swiftly, smoothly and efficiently and with as little stress as possible.
If you need to make a home insurance claim, perhaps for a storm-damaged roof, your first step is to deal with the emergency at hand.
If you think your damaged roof is a danger to life, your first calls should be to the emergency services and an emergency builder to make the damage safe.
Your insurer will refund the costs (minus any policy excess).
Take photographs to help your home insurance claim
It will simplify your home insurance claim if you take photographs of any damage and the temporary repairs made and keep receipts for any emergency work you have had to pay for.
Once your home is safe you need to phone Adrian Flux to set your claim process in action.
Don’t instruct builders to make anything other than running repairs until the insurer has had time to assess the damage and given approval to pay for any major work that needs to be done.
The Adrian Flux claim adviser can help you plan the next step to getting the work done.
Get two estimates for your home insurance claim
Small claims are generally settled quickly. As well as sharing the pictures your insurer will want to see at least two quotes for the repair work.
For larger claims, the insurer will dispatch a loss adjuster to inspect your property. But don’t worry. The loss adjuster is an expert who will assess the damage and estimate the cost of repairs and settlement fairly.
Either way, if you have filled out your home insurance application accurately, the claim should be settled quickly.
Adrian Flux offers high-quality home insurance
If you have built up a good no claims discount on your home insurance policy, you may decide not to make a claim at all.
With smaller claims, it may be wise to pay to repair the damage yourself, rather than lose your discount. Otherwise, you could pay much more for insurance in future years.
Adrian Flux is one of the leading specialist home insurance brokers in the UK and compares more than 30 insurers to find you the high quality, yet cheap buildings and contents insurance cover for any circumstance that you may find.