How do I claim on home insurance?
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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.
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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.
Primary source: abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance
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