If you follow some basic advice that every insurance agent will give you then domestic insurance claims shouldn’t be a problem.
Do you have the right policy? Yes, this is not straight related to the claim process, but it is wise to start the advice from the very beginning. It’s important that you buy the best policy that sufficiently covers all of your high-value content. Always check the small print (a policy’s terms and conditions) for single item price caps and exclusions.
Keep a file to specifically hold all of your home insurance details in one place – receipts, invoices, valuations, photographs of high-value items, and your policy documents.
Collate evidence: Take photographs or videos (or both) of the damaged item(s) you want to claim for.
Speak to your insurer first: Don’t be tempted to try and repair, throw away or replace a damaged item until you’ve spoken to your insurance company and sought their advice as to what you should do next.
Be honest: Exaggerating your claim, or omitting details, can result in serious penalties.
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