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Yes, if your property is unfurnished, many insurers will let you take out buildings only cover rather than full unoccupied home insurance. This protects the structure of the home but won’t cover any contents left inside.
Some policies include legal expenses to help remove squatters. Always check the small print, as this cover isn’t guaranteed with every provider.
If you fail to disclose that your property is unoccupied, your insurer could reject any claim you make. This could leave you personally liable for damages or repairs.
Yes, many insurers offer flexible policies starting from 30 days, with options for 3, 6, or 12 months depending on your needs.
No, it isn’t a legal requirement, but most standard insurers will not cover properties left unoccupied for more than 30 days. Without specialist cover, you could be left exposed.
If you use our vetted contractor network for repairs, our service is completely free. For cash settlements, we charge 15-20% of the settlement amount – and only if we’re successful.
Yes. We regularly overturn rejected claims by identifying missed damage, policy coverage, or procedural errors by insurance companies.
Insurance companies often discourage loss assessors because they know professional representation leads to higher settlements. You have every right to independent representation.
No – professional management typically accelerates the process. We know exactly what documentation insurers require and how to present claims for the fastest approval.
Property Claim Assist can help you arrange temporary accommodation, taking the worry off your plate and away from the flood risk.
Contact us immediately – ideally within the first few hours. Early intervention protects your claim rights and prevents insurance companies from disputing the extent of damage.
No — we often speed up the process by handling the paperwork professionally and chasing insurers for responses. Delays are usually caused by the insurer’s internal processes, not by having representation.
Yes, especially if you want someone on your side. A Loss Assessor works for you, ensuring your damages are fully valued and your claim is managed correctly.
Yes. If you feel your settlement offer is too low or your claim has been unfairly handled, you have the right to seek a second opinion — and that’s where a Loss Assessor comes in.
Although they are often described as independent, Loss Adjusters are hired and paid by your insurer. Their responsibility is to protect the insurer’s interests, not yours.
A Loss Adjuster investigates insurance claims on behalf of the insurance company. They assess the damage, determine the cause, and recommend how much the insurer should pay — but they do not work for you.
Wondering whether it’s worth appointing a Loss Assessor for your property insurance claim? Click here to read all the benefits in our helpful article.
We primarily deal with, fire, flood, storm, leak, subsidence, impact and business interruption claims. We do not cover personal injury or car incidents.
Not only do we work on your behalf to ensure that you receive the best outcome, we can do this at no cost to you. There is NO fee for our loss assessing services providing you instruct our recommended chartered surveyors and use their recommended contractor network to reinstate your property. All recommended contractors have been selected after a high level of due diligence. They are highly experienced and professional, and will promptly reinstate the property to a high standard. They will be fully managed by our surveyor, as contract administrator. Find out more here.
It is advisable to appoint a Loss Assessor as soon as possible after experiencing a significant loss or property damage. We can help navigate the complex claims process, document the loss accurately, and obtain a full and fair settlement on your behalf.
The property insurance claim process can be extremely overwhelming, especially if you’ve never had to file a claim before or if you have suffered a loss or damage to your property. Check out our advice here on what to expect from the insurance claim process.
The documentation needed to make a flood insurance claim will depend on the specific circumstances of the loss and the requirements of your insurance company. Generally, you will need to provide proof of insurance, a copy of the police report (if the flood was caused by a criminal act), and documentation of the damages, such as photographs and receipts. As your Loss Assessor, we’ll take the stress of gathering this information entirely off your shoulders. We will visit your home or premises to gather any supporting documentation and available receipts for items that were damaged or destroyed. We will then arrange for these items to be listed and photographed, ready for submission of your claim to your insurance company.Â
A loss assessor is a professional who helps you navigate the process of making a flood insurance claim. Our Experts are on your side throughout the claim, translating policy clauses, negotiating the settlement, refuting reasons to reduce or decline your claim, taking the stress off your shoulders and helping you return to your pre-loss condition as swiftly as possible. Our aim is to achieve a full and fair settlement and make sure you can rebuild back to the position you were in before you suffered your damage and the financial losses that entailed.
Yes, you can! If you choose to appoint Property Claim Assist and use our network of trusted and vetted contractors to carry out the repair work at your home or premises, you will obtain our entire claims management service for FREE! That means no need to get tradesmen quotes. No prospect of becoming a victim of cowboy or less-skilled tradespeople. No need to have to try to assess the quality of workmanship, as we will do that all on your behalf.Â
You can still make a claim even if you don’t know the source of the leak. We will help you to investigate the cause and find evidence to support the claim.
To document the damage caused by a leak, it’s best to take photographs of the affected areas and make a list of the damaged items. You should also try to determine the source of the leak and document any efforts you made to mitigate the damage, such as turning off the water supply or moving affected items to a dry location. If you choose to appoint a Loss Assessor, they will do all of this on your behalf.
The property insurance claim process can be extremely overwhelming, especially if you’ve never had to file a claim before or if you have suffered a loss or damage to your property. Check out our advice here on what to expect from the insurance claim process.
A loss assessor is a professional who helps you navigate the process of making a leak insurance claim. Our Experts are on your side throughout the claim, translating policy clauses, negotiating the settlement, refuting reasons to reduce or decline your claim, taking the stress off your shoulders and helping you return to your pre-loss condition as swiftly as possible. Our aim is to achieve a full and fair settlement and make sure you can rebuild back to the position you were in before you suffered your damage and the financial losses that entailed.
The documentation needed to make a fire insurance claim will depend on the specific circumstances of the loss and the requirements of your insurance company. Generally, you will need to provide proof of insurance, a copy of the police report (if the fire was caused by a criminal act), and documentation of the damages, such as photographs and receipts. As your Loss Assessor, we’ll take the stress of gathering this information entirely off your shoulders. We will visit your home or premises to gather any supporting documentation and available receipts for items that were damaged or destroyed. We will then arrange for these items to be listed and photographed, ready for submission of your claim to your insurance company.Â
The property insurance claim process can be extremely overwhelming, especially if you’ve never had to file a claim before or if you have suffered a loss or damage to your property. Check out our advice here on what to expect from the insurance claim process.Â
The value of the claim is typically determined by assessing the damages and determining the cost to repair your damaged property. Your Loss Assessor and your insurance company will inspect your property and document the damages, they will then arrange to meet to negotiate the claim. Loss Assessors are experts in negotiating and fully understanding insurance jargon and the complexities of an insurance policy, they will always have your best interests at heart ensuring you achieve the settlement you deserve.
The time frame for making a fire insurance claim can vary depending on the insurance company and the specific circumstances of the loss. We advise that you report the loss to your insurance company as soon as possible, as the sooner you report the damage, the sooner you can get the process started.Â
A loss assessor is a professional who helps you navigate the process of making a fire insurance claim. Our Experts are on your side throughout the claim, translating policy clauses, negotiating the settlement, refuting reasons to reduce or decline your claim, taking the stress off your shoulders and helping you return to your pre-loss condition as swiftly as possible. Our aim is to achieve a full and fair settlement and make sure you can rebuild back to the position you were in before you suffered your damage and the financial losses that entailed.
