Making a home insurance claim

Show proof that the event happened Insurers’ claims teams want to see proof that the event you are claiming for has happened – unfortunately they have to watch out for fraudulent claims. Often providing proof is straightforward – a photo of the damage may be acceptable. But if your valuables were stolen by a burglar…

Rebuild value for home insurance

If you are asked for the rebuild value of your home for your home insurance quote, do not use the estimated market value if you were to sell your property. The cost of rebuilding your home is likely to be different from the value you would receive if you sold your home because you do not…

Listed buildings – what are the different grades and categories?

If you live in a listed building, insurers typically want to know that grade or category of listing the building has. This is because the higher the grade or category the greater it may cost to repair damage. The different regions of the UK have different rating systems:

“Holiday” home or “second” home – is there a difference?

People lucky enough to have another home as well as their main home can refer to it in different ways. Like so many things in the English language, we don’t have exact defined terms that everyone agrees on. However, home insurers do mean different things when referring to “holiday” homes and “second” homes: A holiday…

Why are non-standard construction homes a problem for mortgage lenders and insurers?

Non-standard construction properties are those that aren’t built with brick or stone walls, and with tile or slate roofs. So the non-standard definition includes thatched houses, pre-fab (both post war and modern designs), timber framed houses and wood built houses. Clearly some types of non-standard construction houses are a greater risk – for example thatched…

Is the home covered after a bereavement?

Losing a loved one is a difficult time, but even more so when needing to sort out any admin left behind and this can make such a time even more distressing, so it will always ease a stressful situation if you can be aware before. If your family member has sadly passed away and there…

Spot the signs of damage inside your home

You need to be able to spot signs of damage to your home as soon as possible, before it becomes a big problem. Five things you might want to look out for: A. Damage to your bathroom seals If the sealant around your shower or bath is missing, or starting to crack, then water may…

Victim of burglary? What should you do?

Hopefully your home will never be burgled. It is a horrible experience, and expensive; the average cost of a burglary in the UK, including damage to property and stolen property, is well over £2,000. If you do return to your home and find it has been burgled, what should you do? Don’t rush in Don’t…

Biggest risk in the home?

We have been asking some of PolicyCastle’s users what risks they are most concerned about when they buy home insurance. Depending on geographic location, their big causes for concern are damage from weather – flooding or storms, and theft. However according to the Association of British Insurers’ statistics, the biggest causes of claims are from…

Cracking up? Signs of subsidence

Subsidence occurs when the ground under your home sinks lower, taking some of your foundations with it. Cracks appear in your building as one side moves away from the rest of the structure. Signs of Subsidence Not all cracks are caused by subsidence, they may be caused by temperature changes causing walls to shrink or…

Smoke alarms are worth every penny

88% of homes in England have a working smoke alarm, according to Home Office statistics. It is striking that 30% of domestic fires and 35% of domestic fire fatalities are in the 12% of homes that don’t have a smoke alarm.(1) 36% of the fatal fires in homes are caused by smokers’ materials, the largest…

Should I worry about my flat roof?

Home insurance application forms ask if your home has a flat roof, and if it does what percentage of the total roof is flat. Insurers clearly see a flat roof as higher risk than a sloping – or pitched – roof. Why?

How much cover for alternative accommodation have you got?

If the worst happens to your home, you will want you and your family to stay somewhere safe and warm while the damage is put right. Repairs can take a long time if damage has been severe, for instance from a flood, so you may be out of your home for an extended time. Home…

Are you covered for help around your home?

About a third of homes in Britain employ someone to help with domestic jobs, such as cleaning or gardening. You may not be aware that the contents section of your home insurance policy typically covers domestic employer’s liability – that is your legal liability for damages paid as compensation for an accident to someone working…