Personal Property Claims

When notifying us of your claim, please provide as much of the above key information as possible. Additionally, where available, please provide us with the following details:

• What caused the escape of water?
• Has the leak been identified and repaired?
• What's the extent of damage? How many rooms are affected?
• Please provide room measurements/dimensions and photos of the damage. Has the client got estimates for repair costs?
• Is the property uninhabitable?
• Have any contents been damaged? Please provide details and original purchase receipts, or other proof of ownership, and replacement estimates.
• Was the property occupied? If not, when was it last occupied?
• Is there a potential recovery e.g. leak from third party property, escape of water from an appliance, or recent works in the vicinity of the leak? Please provide details of any potential liable third party and any evidence such as purchase invoices or invoices for works in the area.  

When notifying us of your claim, please provide as much of the above key information as possible. Additionally, where available, please provide us with the following details:

• Did the fire brigade attend? Who called them? When were they called?
• Is it known how it started? If so, please provide details. Please ensure that the area is preserved for forensic examination.
• How severe is the damage? How many rooms are affected? Is there potentially structural damage e.g. floors or roofs are damaged, walls are unstable? Is the property safe to enter? Is there any potential materials containing asbestos?
• Is the property secure?
• Is the property uninhabitable?
• What’s the construction and age of the building? Is it listed? 
  
• Please provide us with room measurements/dimensions and photos of the damage. Have estimates been obtained?
  
• Have any contents been damaged? Please provide details and original purchase receipts, or other proof of ownership, and replacement estimates.
• Is there a potential recovery e.g. fire spread from third party property, fire started in an appliance, or there were recent works in the vicinity of the fire? Please provide details of any potential liable third party and any relevant evidence.

When notifying us of your claim, please provide as much of the above key information as possible. Additionally, where available, please provide us with the following details:

• Where did the water originate from and what's the proximity to the risk address e.g. river bursting its banks or an overflowing drain?
• Was there advance warning? What preventative actions were taken? E.g. sandbags, moving contents out of reach of the flood water.
  
• How high did water rise inside property? Is it still flooded?
• What's the extent of damage? How many rooms are affected? Is there a basement?
• Please provide room measurements/dimensions and photos of the damage. Have estimates for repairs been obtained?
• Is the property uninhabitable?
  
• Have any contents been damaged? Please provide details and original purchase receipts, or other proof of ownership, and replacement estimates.

When notifying us of your claim, please provide as much of the above key information as possible. Additionally, where available, please provide us with the following details:

• The damage caused alongside photos and estimates for repair.
• Is the property secure?
• Have there been previous similar incidents?
• Was the property occupied? If not, when was it last occupied?
• When was the incident reported to the police, and did they attend? Please provide the Crime Reference Number.
• Has the perpetrator(s) been identified? If so, please provide details. 

When notifying us of your claim, please provide as much of the above key information as possible. Additionally, where available, please provide us with:

• When was the damage first noticed?
• Please describe the damage, where it's located, and provide photographs to enable an initial assessment. If there's a  diagram or plan of the building, please highlight the affected area. 
• Is there vegetation in the vicinity, or have there been problems with underground services? Has any construction work been carried out nearby? If so, please provide details.
• Could a neighbour’s tree(s) be implicated in the damage?  
• Fortunately, evidence of cracking is often not subsidence related. Potential subsidence claims will be investigated by specialist loss adjusters. Please note that there is only cover for subsidence damage to property such as boundary walls and car parks etc. if damage also occurs to the building to which they are associated.

When notifying us of your claim, please provide as much of the above key information as possible. Additionally, where available, please provide us with the following details:

• Who discovered the loss and when?
• How and where was entry gained? Is there evidence of forcible and violent entry into, or exit from, the property? Please provide details and supporting photographs.
• When was the incident reported to the police, and did they attend? Please provide the Crime Reference Number.  
• Was the property occupied? If not, when was it last occupied?
• What has been stolen and from where in the property?
• Please list all the items being claimed for and provide original purchase receipts, or other proof of ownership, and replacement estimates.
• If the theft occurred away from the premises:
  • Please provide full circumstances. When was the item last seen? 
  • Was the theft from a vehicle? If yes, was the vehicle unattended? Where in the vehicle was the item? Where was the vehicle when the item was stolen? Was the vehicle securely locked? What damage was sustained to the vehicle? Please provide photos of the damage. 

When notifying us of your claim, please provide as much of the above key information as possible. Additionally, please keep the following points in mind:

• The customer is responsible for maintaining or repairing any drains inside the boundaries of their property - these are private drains. The customer doesn’t have to maintain or repair lateral drains that they share with their neighbour - their water company is responsible for these.
• Cover is provided for accidental damage to pipes and cables etc. for which the policyholder is legally responsible.
  
• Please contact us urgently so that we can instruct our specialist supplier.