Professional Support For Home Insurance Claims

Navigating home insurance claims can be daunting for homeowners.

  • Understanding the complexities of the home insurance claim process is not just about filing paperwork; it’s about protecting one’s investment and ensuring a shield against unexpected financial strain.
  • Oakleafe Claims has comprehensive experience and expertise and can offer expert home insurance claims advice across all types of homeowner insurance claims.
  • We’re here to guide you through the complex process of claiming on house insurance to ensure you get the settlement you deserve.
Trustpilot
British Claims Award Winners - Oakleafe Claims
google review claim

Home Insurance Claims Management

Imagine waking up to a flooded kitchen or returning home to find a tree has smashed through your roof. Home insurance serves as a crucial safety net, safeguarding against the unpredictable, but making a claim on home insurance can be complicated and time-consuming. That's where house insurance claims experts Oakleafe Claims come in to manage the home insurance claims process and save you time, money and stress and secure the settlement you deserve.

Fire & Smoke Damage
claims

Flood Damage claims

Water Leak claims

Roof leaf Damage claims

Storm
claims

Impact Damage
claims

Burglary Theft
claims

Escape of Oil
claims

CASE Study

free consultation

Get in contact today to make an appointment with one of our agents.
claim home insurance
claim on house insurance

WE CAN HELP YOU WITH HOME INSURANCE CLAIMS

When you claim home insurance your insurance company will appoint a loss adjuster to represent their interests and attempt to minimise or even reject your claim.

That's why you need Oakleafe Claims on your side:
  • With Oakleafe Claims, you get personalised support to navigate the complex home insurance claims process and secure the compensation you deserve.

  • Having house insurance claim experts Oakleafe managing your claim gives you access to qualified claims technician who will advise you on your home insurance claim.

  • Oakleafe will handle all meetings, communications and negotiations to give you the best possible claim settlement and fully protect your interests.

  • Chartered surveyors, structural engineers, environmentalists and building contractors will all be provided for you to support your home insurance claim.

  • You can also use our home insurance claims portal, Claimtrack, to view live communications between all parties to keep up to date with all developments in real-time.
Our staff are members of the following organisations

Client Testimonials
FOR home INSURANCE CLAIMS

Oakleafe Claims on Google Reviews
Good work! Would recommend 100%
Vida Keturakiene
Oakleafe Claims on Trustpilot
Just want to say a very big thank you to OAKLEAFE they have been extremely helpful dealing with my claim.
Christina
Oakleafe Claims on Google Reviews
I cannot recommend Oakleafe enough.
Amy Byrne

HAVE QUESTIONS ABOUT HOME INSURANCE CLAIMS?

Oakleafe Claims have taken decades of combined experience in home insurance claims and condensed all that knowledge and experience into this interactive home insurance claims helper.

Home Insurance Claims FAQs

Preparation is key to a seamless claim process.

Begin with these foundational steps:

  • Understand Your Policy: Familiarity with coverage details saves you from surprises during claims.
  • Document Your Possessions: Keep a visual and written record of your belongings to support your claim.
  • Adopt Preventive Measures: Regular maintenance can minimise potential claims.

Documentation Checklist

Ensure you have the following ready:

  • Insurance policy number and contact details
  • Inventory of damaged or lost items, including date of purchase and value
  • Photographic evidence of the damage
  • Receipts, invoices, and proof of ownership

How to File the Claim

Filing a claim involves several key steps:

Immediate Notification: Contact your insurance provider as soon as possible.
Submit Required Documentation: Provide all necessary documents promptly to avoid delays.
Communicate Effectively: Maintain open lines of communication with your insurer.

REQUEST A CALLBACK

Home insurance typically covers two main components: buildings insurance and contents insurance.

Buildings Insurance

Buildings insurance covers the physical structure of your home, including:

  • Walls, roof, and foundations
  • Fitted kitchens and bathrooms
  • Permanent fixtures and fittings like windows and doors
  • Outbuildings like garages and sheds

It protects against damage caused by fire, storms, floods, subsidence, theft, and vandalism. Some policies also cover accidental damage to pipes, cables, and glass as an optional add-on.

Contents Insurance

Contents insurance covers your personal belongings and household items within your home, such as:

  • Furniture and appliances
  • Electronics like TVs, computers, and phones
  • Clothing and jewelry
  • Kitchenware and ornaments

It provides coverage for loss or damage caused by events such as fire, theft, water leaks, and natural disasters. Many policies also offer optional accidental damage coverage for your contents.

Additional Coverages

Home insurance policies may also include additional coverages like:

  • Temporary accommodation costs if your home is uninhabitable due to an insured event
  • Legal liability protection for injuries or property damage to others
  • Emergency home repair services for issues like burst pipes or heating system failures
  • Coverage for personal belongings outside the home (e.g., jewellery, laptops)

It's important to review your policy details and discuss any specific coverage needs with your insurer, as exclusions and limits may apply.

Home insurance policies in the UK typically cover the following perils or types of damage:

Fire, Explosion, Lightning, Earthquake

  • Damage caused by fire, explosion, lightning strikes, and earthquakes are standard covered perils.

Storm, Flood, Escape of Water

  • Damage from storms, tempests, floods, and escape of water from pipes or heating systems is generally covered.

Theft or Attempted Theft

  • Loss or damage caused by theft or attempted theft is a standard covered peril.

Subsidence, Heave, Landslip

  • Damage to the property caused by subsidence, heave (expansion of soil), or landslip is typically covered, unless the property had previous subsidence issues.

Impact by Vehicles or Animals

  • Damage caused by impact from aircraft, vehicles, or animals is a standard covered peril.

Vandalism or Malicious Damage

  • Most policies cover criminal or malicious damage to the property caused by someone outside the household.

Accidental Damage (Optional)

  • Accidental damage cover for things like putting a foot through the ceiling or drilling into pipes is often an optional add-on at an extra cost.

It's important to note that while these are common covered perils, policy details and exclusions can vary between insurers. Reviewing the specific policy documents is necessary to understand the full scope of coverage.

When filing a home insurance claim, here's what you can typically expect:

Claim Process

  1. Contact your insurer immediately after the incident to report the claim. Many insurers have 24/7 emergency helplines for urgent situations like fires or floods.
  2. Provide details and evidence such as a description of what happened, photos/videos of the damage, police reports (if applicable), receipts for stolen/damaged items, etc.
  3. Get repairs approved first. Avoid making permanent repairs before your insurer approves them, except for emergency fixes to prevent further damage. They may send a loss adjuster to assess the claim.
  4. Pay your excess/deductible. Your insurer will deduct the agreed excess amount from the approved claim amount.
  5. Receive settlement. Your insurer will arrange for repairs, replacements, or provide a payment for you to do so.

Timelines

  • For emergencies like fires or floods, you can file a claim immediately.
  • For non-emergencies, you typically have around 180 days (6 months) to submit a claim.
  • Simple claims may be processed within days, while complex claims involving disputes can take months for a decision.

Potential Issues

  • Your future premiums may increase, especially after large claims, though small claims don't always impact rates.
  • Insurers can check your claims history and may refuse renewal if you have frequent claims.
  • Your claim could be rejected if you didn't follow proper procedures or violated policy terms.

It's advisable to file claims promptly, provide complete documentation, and understand your policy's terms to ensure a smooth claims process.

Based on the search results provided, the typical timeline for getting a decision on a home insurance claim in the UK can vary significantly depending on several factors, but generally ranges from a few weeks to several months.

Here are some key points:

  • Simple, straightforward claims may be processed and paid out within a couple of days to a few weeks.
  • More complex claims involving extensive damage, multiple parties, investigations, or disputes can take much longer - potentially several months or even over a year in some cases.
  • The initial claim notification and documentation stage usually takes around 1-7 days from when you first report the incident.
  • The insurance company's assessment and investigation phase, where they evaluate the damage, review policy coverage, and determine liability, typically lasts 7-30 days but can extend further for complex claims.
  • Once the insurer approves the claim, the settlement negotiation and payment processing stage generally spans 30-60 days for minor claims. For larger, more technical claims, this final stage can drag on for months or years due to potential disputes.
  • Factors that can prolong the timeline include the severity of damage, complexity of repairs required, availability of contractors, number of parties involved, investigations into coverage issues, and negotiations over compensation amounts.

In summary, while straightforward home insurance claims may receive a decision within weeks, policyholders should be prepared for the process to potentially take several months, especially for claims involving significant damage or complexities.

GET IN TOUCH MAKE AN APPOINTMENT NOW WITH ONE OF OUR AGENTS

If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.

Oakleafe Claims Headquarters

7-9 Balgores Lane, Gidea Park, Essex, RM2 5JS

Oakleafe Claims London

Midland Court, Victoria Road, Romford, RM1 2JH

Oakleafe Claims Midlands

Phoenix Works, 500 King St, Longton, Stoke-on-Trent ST3 1EZ

Oakleafe Claims Scotland

Ingram House, 227 Ingram Street, Glasgow G1 1DA

Oakleafe Claims Wales

12 Business Centre, 12 Cathedral Road Pontcanna Cardiff, CF11 9LJ

Oakleafe Claims N.Ireland

1st Floor, 31 Donegall Street Belfast, BT1 2FG

Oakleafe Claims Netherlands

Stoelmatter 30, 2292JL Wateringen, Zuid Holland, Netherlands

Oakleafe Claims UAE

Ground Floor, I Rise Tower, G17, Hessa St, Barsha Heights, Dubai, UAE
oakleafe claims uk, europe and uae coverage
Oakleafe Claims Limited is an Appointed Representative of Oakleafe Group Limited which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Service Register (https://register.fca.org.uk/s/) under reference: 790564
Copyright ©
2024
Oakleafe Group. All Rights Reserved
Registered in England and Wales No: 10970687

HOW CAN WE HELP

Call our free 24/7 claims consultation helpline on 0333 2101 999.

BROKERSHIELD BROCHURE

If you require additional information please call our free 24/7 claims consultation helpline on 0333 2101 999.

WE ARE HERE TO HELP YOU

Please complete the form and one of our insurance

claim professionals will call you back ASAP

HOW CAN WE HELP

Call our free 24/7 claims consultation helpline on 0333 2101 999.