Making a claim
The first contents claim: what information should you provide?
An initial notification can identify the event and urgent needs even while some details remain unknown.
Making a claim
Describing an incident and putting together a claim file.
Making a claim
Photographing damage: context, detail, and identification
A useful photograph set shows location, object identity, and the change you can observe.
Making a claim
Creating a damage list that can be followed item by item
A damage inventory is clearer when each object keeps the same identity from initial notification to settlement.
Making a claim
No purchase receipt: gathering other evidence of possessions
An absent receipt leaves several evidence questions; existing records can each support a different part.
Making a claim
Disposing of damaged items: agree and document first
Agree inspection and disposal arrangements while prioritising safety and necessary damage limitation.
Making a claim
Recording emergency costs without assuming reimbursement
Emergency work is easier to assess when its purpose, threatened loss, and associated costs are identifiable.
Making a claim
Getting an itemised repair quote for a claim
A repair quote should connect the damaged object, proposed work, and its cost.
Making a claim
Reading a settlement calculation: repair, value, and deductions
Check a settlement calculation step by step so repair, valuation, and deductions remain visible.
Making a claim
Several damaged items: how should you read the deductible?
Read how the policy treats one event before counting a deductible for each damaged object.
Making a claim
Preparing for a loss adjuster's visit
Prepare for an expert visit with identifiable objects, a timeline, and specific questions about outstanding examination.
Making a claim
Counter-assessment: ask about role, costs, and arrangements
Before counter-assessment, clarify the disputed question, the instruction, and the cost arrangements.
Making a claim
A rejected claim: ask for facts and the policy basis
Before responding to a rejection, identify the fact and policy provision on which it rests.
Making a claim
A complaint about a claim: internal procedure and Kifid
A complaint is easier to assess when the decision, disputed point, and requested remedy are connected.
Making a claim
A claim advance: record what remains unresolved
An advance is an interim payment; record what it concerns and what remains under assessment.
Making a claim
One loss and several policies: avoid counting it twice
Disclose possible overlap and maintain one record of the actual loss and payments received.
Making a claim
A leak from neighbours: report your loss and document the cause
A leak from neighbours needs your own inventory and a separate account of the source and parties involved.
Making a claim
Police report and insurance claim: two records with different purposes
Use the same traceable facts for the police report and insurance notification without confusing their different purposes.
Making a claim
Event date and discovery date: keep the timeline accurate
Show separately when an event occurred, when damage was discovered, and when it was reported.
Making a claim
Organising claim correspondence: one file with clear versions
An organised claim file preserves original correspondence and identifies which version was sent.
Making a claim
Before accepting settlement: check unresolved points
Check the amount and also what your agreement closes, including any points that remain unresolved.