What to do in the first 48 hours
1. Make it safe. Anything that's an active leak, escape of water, or safety hazard — stabilise (don't repair) without invalidating the claim. 2. Photograph everything. Wide shots, close-ups, the cause if visible, the damage, the surrounding area. Time-stamped if your phone allows. 3. Don't replace materials yet. Removing the damaged item destroys the evidence the loss adjuster needs. 4. Notify your insurer. Brief, factual. 5. Get independent input before agreeing any contractor scope.
Got a Quote or Issue?
We'll take a proper look before you commit. Many quotes include unnecessary work or inflated costs.
No obligation. We'll review and highlight anything you should be aware of.
Most members recover the cost of the plan on their first issue.
Where claims go wrong
Common failure modes: agreeing scope before evidence is properly captured, accepting an insurer-appointed contractor without question, signing off on settlement before related issues are identified, missing that one event has caused multiple insurable losses (e.g. storm damages roof, which causes interior damage, which causes carpet replacement — each can be a line in the claim).
On the other side: assuming everything is a claim. Some issues are wear-and-tear and won't be covered. Knowing the difference early saves a wasted process.
What independent support actually does here
We review the situation, look at the proposed scope (whether yours or the insurer's contractor's), comment on whether it's complete and fair, and help you understand what to push back on. We don't handle the claim itself — we're not regulated to and we're not paid to.
For disputed or rejected claims, we can advise on whether an independent inspection would strengthen your position before you escalate to the Financial Ombudsman.