How to Prepare a Building Insurance Claim (UK)

Preparing a building insurance claim can be challenging, particularly where damage is extensive or develops over time. Understanding how insurers typically assess building claims can help reduce delays and uncertainty.

This guide explains, in general terms, how building insurance claims are usually prepared in the UK.

Step 1: Record the Damage Safely

Once it is safe to do so, record visible building damage using photographs, videos, and written notes. This can help establish the extent of the damage.

Step 2: Review Your Policy Wording

Check how your policy defines insured damage and note any exclusions, conditions, or maintenance requirements that may apply.

Step 3: Gather Supporting Documentation

Collect surveyor reports, invoices, repair estimates, and correspondence related to the damage. Clear records are essential.

Step 4: Communicate Clearly With the Insurer

Providing accurate and consistent information can reduce misunderstandings during the assessment process.

Important Note

This guide provides general information only. It does not provide regulated insurance advice, does not prepare claims, and does not act on behalf of policyholders.

Getting Further Guidance

If you are unsure how your insurer’s requests should be interpreted or what information is relevant, Claim Guardians provides information and guidance to help you understand the process.