Insurance Advice
In the event of a fire, flood or even tornado, it is important to think about the right kind of insurance for you.
Here are our top tips for getting covered and making a claim.
Before an Incident
Speak to a range of insurers to compare the services they offer and obtain appropriate buildings and contents cover - if you are a tenant speak to your landlord to discuss cover they may already have in place
Discuss with potential insurers any protection measures you have taken at your property such as flood proofing - this may help to reduce your premium
Pack a disposable camera, notebook and insurance company details in your grab bag, this will be useful for documenting and reporting any loss and damage
You may wish to consider specific services such as
Drying out, repairing and restoring your property if you live in a flood risk area
Repair or replacement of damaged belongings and furniture
Alternative accommodation while your home is uninhabitable
Professional fees such as solicitors and surveyors
After an Incident
Contact your insurance company at the earliest opportunity and follow their instructions to progress a claim
Make an inventory of damaged items including photographs and descriptions
Do not throw anything away until your insurance company has assessed the claim and confirmed you can do so
Keep a record of all telephone conversations made including the agent you spoke to, time, date and the advice given
Keep a record (including receipts) of all money spent as a result of the disruption
Remember!
Keep all correspondence relating to a claim including a diary of events.
Information & Advice
For impartial information and advice on insurance and making a claim, visit the following:
