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HowtomAkESUREyoUR ClAImS AREHANdlEd qUICkly


Insurance is a “distress” purchase. You only need to use it when something goes wrong. So when something does go wrong what can you do to make sure that your claimis handledquickly?


Somesimple stepscan help youcontrol costsand have your claim paid quicklyand with the minimumof fuss.


Prompt action is always thekey andit mayreducethe size of thepotential claim. Remember themorethatyourInsurer pays out in claims the greater the likelihood that your premiumwill increase.Prompt action should also reduceawater leak from spreading into adjacent flats.


Always have your Insurer’s24-hour emergencycontact numbersclose to hand.It’sworth creating anemergency contactplanthatyou candistributeto your residents. This plan should include all necessary telephonenumbers,the location of thewater stop cock andfire evacuation procedures.


When you ring your Insurer’s claims line always have your policy number ready.


Claimswhere the damage is less than £1,000 generallyonlyrequire oneestimate for replacement or repair.


Youare entitled to carryoutemergency repairstomakeyourpropertysafeand secure.Try andtakephotographs of the damage andretain damagedparts that have beenreplacedincaseyourInsurer or their representativewants to seethem. Keep all receipts andinvoices foranyemergency repairs that you carry out.


Thesesimplesteps will enable your claim to be paid quicklyand with theminimum of fuss.


loSSAdjUStoRS ANdloSS ASSESSoRS


Followingaclaimit iscommonfora lossadjustertobeappointedbythe Insurerwith therole ofadjustingthe loss.LossAdjustersareindependent claimsspecialistswhoseprofessional bodyistheCharteredInstitute ofLoss Adjustorsandwasestablishedin 1941.


12 Flat Living GUIDETO INSURANCE


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