Park Home Support
Insurance claims guidance

Park Home Insurance Claims — What Is Covered & What Isn't

Understanding whether damage is insurable is one of the most important steps before approving repairs.

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Park Home Insurance Claims — What Is Covered & What Isn't

What Is Typically Covered

  • Sudden damage
  • Storm-related issues
  • Impact or accidental damage

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Most members recover the cost of the plan on their first issue.

What Is Usually Not Covered

  • Wear and tear
  • Maintenance issues
  • Gradual deterioration

Common Claim Mistakes

  • Claiming for non-covered issues
  • Missing supporting evidence
  • Proceeding with repairs too early

Uninsured Loss Risk

Many homeowners unknowingly:

  • Pay for work that could have been claimed
  • Submit claims that fail
  • Miss key evidence early

Our Role

We provide technical guidance based on real-world experience of how these issues are assessed. We are not a regulated insurance intermediary — we do not sell, arrange or manage insurance. We help you understand damage, repair scope and whether claim-related considerations apply so you're not submitting the wrong claim or walking away from a valid one.

Avoid Uninsured Losses

Understand the situation before you act. Evidence gathered before work starts is worth thousands more than evidence after.

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Frequently Asked

Common questions

What does park home insurance typically cover?
Most park home policies cover sudden, accidental and specified-peril damage — typically storm damage, impact damage, escape of water, fire, theft and (with the extension) accidental damage. Policy wording varies.
What is usually NOT covered on a park home policy?
Gradual wear and tear, poorly-maintained roofs or seals, general maintenance issues, and pre-existing damage present at policy inception are typically excluded.
Why do park home insurance claims fail?
Common failures: wrong cause attribution (gradual wear submitted as storm), missing evidence (photos taken after work started), and scope mismatch (quote goes beyond the claimable event).
Do you arrange park home insurance?
No. We are not a regulated insurance intermediary. We provide independent, non-regulated technical guidance on damage, scope and claim-related considerations.

Related Guidance

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