Fire damage refers to the physical damage to a property caused by burning. Whether damage is caused by flames, smoke, soot or other corrosive substances emitted by the fire, it should be covered by your insurance policy.

Property Fire Claims

To an insurer, “flood damage” is caused by events outside the home when water overflows onto land, such as a river bursting its banks, seawater coming over coastal defences, a burst water main or blocked sewer.

Property Flood Claims

Often referred to as “escape of water” by insurers, this can be caused by several issues. Examples might include leaking pipes or water tanks, a leaking kitchen appliance or even an overflowing sink or bath.

Property Leak Claims

Your insurance policy will be designed to cover you for the cost of repairing damage as a result of impacts caused by things such as aircraft, vehicles, fallen trees or branches and even impact by animals.

Property Impact Claims

This is when the ground beneath a property sinks because the soil is unstable. This can be due to things such as soil shrinkage due to dry weather, trees taking moisture from the soil or leaking drains washing away the soil.

Property Subsidence Claims