Why Building Insurance Claims Often Become Disputed (UK)

Building insurance claims often become disputed due to differences in how damage is assessed, interpreted, or valued.

This guide outlines common reasons why building insurance claims can lead to disagreement.

Scope of Damage Disputes

There may be disagreement over which elements of damage are directly linked to the insured event.

Policy Interpretation Issues

Disputes can arise where policy wording limits coverage or defines damage narrowly.

Repair and Reinstatement Issues

Insurers and policyholders may disagree over repair methods, materials, or scope of reinstatement.

Important Note

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

Getting Further Guidance

If you are unsure why a building insurance claim has become disputed, Claim Guardians provides information and guidance to help you understand the insurer’s position.