# How do I claim on home insurance?

> Quick answer · Last updated 4 July 2026

Canonical HTML: https://moneyguide.org.uk/answers/how-to-claim-on-home-insurance/
Markdown mirror: https://moneyguide.org.uk/answers/how-to-claim-on-home-insurance.md

## In short

Report the loss or damage promptly — do not dispose of damaged items until the insurer agrees. Document with photos, keep receipts, and complete the claim form honestly. Excess applies per claim; escape of water and subsidence have specific rules.

Insurers may appoint loss adjusters for large claims — cooperate but know your policy limits.

Dispute rejections via internal complaint then Financial Ombudsman Service.

See home insurance explained and compare home insurance guide.

## Related

- [Home insurance explained](https://moneyguide.org.uk/insurance/home-insurance-explained/)
- [Compare home insurance](https://moneyguide.org.uk/insurance/compare-home-insurance-guide/)

## Primary source

abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance

---

Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.