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Patrick Ginnelly & Co. Property Claims Assessors Patrick Ginnelly & Co. Property Claims Assessors

Insurance Claims for Your Home

A woman and a child stand on the grass and look at a house with a blue front door
Illustrative images only.

A home insurance claim has many parts. The damage you can see may be only part of it. This page explains what a home claim can cover and where to find help for each type of damage.

What a home claim can cover?

What you can claim depends on your policy. Read your policy schedule and wording. In general, a home claim can include:

  • the structure of the house, such as the roof, walls, floors and ceilings;
  • the contents, such as furniture, appliances and personal belongings;
  • outbuildings, such as a garage or a shed, if your policy covers them;
  • alternative accommodation while repairs are done, if your policy includes it.

Some policies set limits or exclusions. A Loss Assessor can review your cover and tell you what applies to your claim.

Common causes of home claims

Choose the type of damage that matches your problem:

The full list is below. If you are not sure which type your damage is, contact us and tell us what happened.

Where to start

Read what to do after property damage. It lists the first steps. If your insurer has appointed a loss adjuster, read Loss Assessor or loss adjuster to see who acts for whom.

Claims we handle

How we help

  1. Review your insurance policy cover and tell you if it is enough for your claim.
  2. Report your claim to your insurance company.
  3. Meet the insurer’s loss adjuster at your property and agree the scope of works.
  4. Put together the detailed costs of repairing your property and submit them to your insurer as your claim.
  5. Handle all communication and negotiation with your insurance company.
  6. Work to settle your claim for the full amount you are entitled to under your policy.

What it costs?

We work on a “No Win – No Fee” basis. If your claim is unsuccessful, we do not charge a fee.

Our charges are normally based on a percentage of the settlement achieved. We agree them with you at our first meeting.

It costs nothing to ask for our advice.