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Making an insurance claim

Providing your insurer with the right information should help to ensure your claim is processed as quickly as possible.

Ask the insurance company

  • How long will it be before the loss adjuster visits you.
  • Whether you should clean your property or if they will arrange to do it for you.
  • What level of cover you have for funding alternative accommodation and helping you with the immediate costs of finding somewhere to stay.

Make your own record of flood damage

  • Mark the maximum floodwater level on the wall of every room affected by flooding.
  • Make a list of all damaged property and photograph or video the damage.
  • If your insurance covers losses of perishable goods make a list of all the food you throw away, including food in your fridge or freezer ruined by loss of power.

Things to help you with your insurance claim

  • Confirm the insurance company will pay for any service or equipment that you need.
  • Make a note of all the telephone calls. Record the date, name and what was agreed.
  • Keep copies of letters, emails and faxes you send and receive.
  • Keep receipts.
  • Don't throw anything away without checking with your insurer first if you are planning to claim for it.
Published: 30 Jan 2015
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