Getting the right Home insurance cover

There are plenty of reasons and individual would have a  need file on their home insurance in London, there are some obvious ones you have probably come across or read about that will be covered on home insurances out there, this just goes to show that a lot of unfortunate events can occur and you should be prepare yourself with this fact in mind

It is a must that you get the right protection for your London home or property when it comes down to insurance, signing with an insurance company that will cover you for the likely events that can occur, depending on the area and environment you live in, for instances an area more prone to burglary’s, or and are near a river that’s prone to burst its banks and flood the area

We have listed some common reasons that people file for London Property insurance Claims specificaly

Wind and Hail

this is one of the least common instance we will talk about , with wind and hail doing the majority of damage to roofing of properties, blowing a way tiles that will lead to both poor insulation and leakages, in rare case the entire roof can be blown off, wind is also known to throw exterior objects against Windows and conservatories causing major Damage

Another aspect to think about with hail is the direct impact on your property if the hail is substantial in size, items like cars and vehicles with be exposed to major dents chips and cracks, this is something a lot of the time overlooked when individuals are choosing a home insurance company

Water Damage

water damage claims are one of the most frequent when it comes down to claim types. They can be put in to two categories depending on the source of the water. Firstly water damage caused by natural disasters such as flooding or heavy storms, and secondly water damage caused by an issue in the house like burst pipes or leaking toilet

Water when not treated quickly and efficiently can wreak havoc on your property, and be very costly to fix, water damage restoration is a long and expensive process which you will definitely want to have full cover for

Fire Damage

– fire damage, although extremely less frequent, Is without doubt the most expensive claim there is on average. This is for the obvious reason od how destructive fire is and how fast it spreads, often destroying the entire house before firefighters can put the fire out, even then the fire can cause damage to the structure of the property causing issues that mean pulling down the whole house, it can be an absolute nightmare

Therefore fire damage cover is a necessity with home insurance, insurance companies can cover the full fire damage restoration, any valuable items lost in the fire as well as take care of temporary accommodation for the homeowner

 Visitor Accidents

As the homeowner you are solely responsible for any injury that may occur to a person who is visiting your property, and therefore may be liable to pay any associated medical expense, this can be a huge problem. To avoid this headache insure you are adequately covered

Property Insurance Claim Management

Several companies have emerged in recent years that specilase in property insurance claim managment are taking over the whole process for its  clients, they liaise with the insurers  insuring the best pay out is made for their client , and then arranged building or restoration work. see video below