Property Insurance Claims Help

Claims Tips and Advice

If you are having issues with your insurance claim following flooding or adverse weather events, here are our tips:

STEP ONE

Understand your policy— Look at what is covered or excluded under your policy. If you don’t understand the jargon, ask the insurer or loss adjuster to explain what it means.

STEP TWO

Understand the damage— You must undertake your own independent assessment of the damage.

STEP THREE

Understand the repair —you need to understand what is required to restore your property to its pre-damage condition.

Important Advice

Understanding damage and repair — It is important not to confuse steps two and three. They may look like the same question, but there are significant differences. For steps two and three, it is essential that the policy owner should engage their own independent engineers, builders or quantity surveyors to comment and advise what you need to do.

Understand the numbers—If your insurance company is offering you a payout, you need to understand and test the figures they rely on. This means getting your own independent assessment of the amounts offered by the insurance company or their loss adjusters. Ensure you get a builder or quantity surveyor to comment and advise on the cost of remedial work for your property.

Double-check the numbers—Many homeowners experience that the amounts offered by insurers (or their loss adjusters) to repair your damaged property are not enough to repair or replace your damaged property.

If you have an issue with any Property Damage Insurance Claims, contact us to discuss your claim. We help you review and understand your insurance contract and advise you on the best way to maximise your entitlements under your insurance policy.

Please contact us today to discuss your insurance dispute.