Disputed Home insurance claims

Common claims on home insurance policies:

Fire claims - Whether it’s a candle, chip pan or chimney fire, electrical or appliance-related, or a cigarette or arson blaze, a fire can bring extensive damage to your home or commercial premises. If you have had your claim refused, rejected, disputed, or your insurers have paid you less than you are claiming for - you may be entitled to claim. Contact us for a no obligation assessment. Flood claims - With climate change bringing in more frequent and intense rainfall in the U.K., flooding is becoming a prevalent problem across the country. If you have made a claim for a flood that is refused or disputed, we will help you get compensation from your insurers. Leak claims - Leak insurance claim, also known as “escape of water”, refers to when water has leaked from somewhere inside and caused damage. Usually, your policy will cover these incidents, but water coming from somewhere like an overflowing bath or drilled through pipework, may only be covered if you have accidental damage insurance. Whether due to a flooded washing machine or dishwasher, a leak from a failed water tank, a frozen or burst pipe, or dripping from an old or corroded pipework within a water or central heating system. You could also find yourself dealing with shower unit leaks or those caused by blocked drains. If you have made a claim for a leak that has been rejected by your insurers or if your insurers have refused to pay you the full amount claimed contact us and see if you can make a claim. Impact claims - An impact insurance claim is when your property has suffered damage from an external source. For instance, your property may have been damaged by a falling tree. Or, perhaps a motor vehicle lost control and collided with your property. Apart from the stress and shock that these events cause, chances are that the structural integrity of your property has been affected as a result. Storm claims - If your property has suffered damage due to severe weather, you will have to submit a storm insurance claim through your insurance provider. If your storm damage claim has been refused, we can challenge your insurers and advise you whether their rejection is fair. Subsidence claims - Subsidence is when the ground below your home sinks. It puts your home at serious risk of damage as the foundations can become misaligned, causing your walls and floors to move, and become unbalanced. Subsidence can be caused by a few different issues:

• Weather – subsidence can occur when the ground below your house shrinks or swells due to the weather.
• Leaky drains – leaky drains can wash away the soil under your home or make the ground so saturated that the foundations give way causing it to subside. 
• Roots – if planted too close to your home they can grow longer as they search for moisture and go under your home.