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Demystifying the Home Insurance Claim Process in Northern Ireland: A Comprehensive Guide

The Home Insurance Claim Process

At Property Claims Loss Assessors, our sole aim is to help the general public ensure they receive their full entitlement from their Insurer when they need to make a claim. We’ve been doing it for years and love what we do.

Understandably, a lot of people are unsure of the claim process and what it entails – It’s why we are so busy and why we are called upon so much to represent our clients!

We provide a service which can help to ease people through what can be a very technical, time consuming and stressful experience.

In this blog post we are going to try and help demystify the process, breaking it down so that some of the stress and anxiety that people face in these circumstances can be reduced.

Read on to find out more……. 

Understanding Home Insurance Claims

First, it is probably a good idea to begin with a brief description of home Insurance and what the purpose of it is.

Home insurance is a crucial financial tool that provides protection and peace of mind to homeowners. It safeguards your home and possessions from unforeseen events, offering financial coverage in the event of damage, theft, or other unfortunate circumstances.

By paying a premium to an Insurer, a policyholder is seeking to get peace of mind that should something happen which causes damage to their possessions or property, they will be financially recompensed allowing them to repair or replace the affected items.

In essence, an insurance policy acts as a risk transfer mechanism, transferring the risk of the loss of damage from the Insured to the Insurer, who provides the policy in return for financial consideration.

Well, that is the aim anyway! Should you be having issues with your insurance claim don’t hesitate to give us a call for free advice.

Read on to give yourself the best chance of making a successful

Preparing for a Home Insurance Claim

Before you need to make a claim, it’s essential to be well-prepared. This involves understanding your policy, documenting your valuables, and taking necessary precautions to minimize risks.

Not all insurance coverage is the same. There is insurance which covers your building, insurance for contents, add ons to policies such as trace and access cover and alternative accommodation.

It is wise when taking out the policy to thoroughly research these different aspects to ensure you get cover that is most applicable to you.

Reading the Policy

Thoroughly understanding the terms and conditions of your home insurance policy is crucial. Familiarize yourself with what is covered, what isn’t, and the steps you need to take in case of a claim.

Like all insurance coverage isn’t the same, there are also different types of policy cover. Buildings cover relates to damage to your building whereas contents cover provides for damage to contents.

Within each policy there are provisions detailing what is covered and exclusions detailing what isn’t. It is important to understand what you can and can’t claim for so you know that the policy you have incepted is the most appropriate for you.

Documenting Valuables

One of the main principles in insurance is that the burden to prove the loss rests with the insured.

Eg. If you have a watch worth £5,000 and this is lost, stolen or damaged, to claim for this the insurer will require proof that you did in fact own it and the value of it.

To facilitate a smooth claims process, document all your valuable possessions. This includes photographs, receipts, and any other relevant information that can substantiate your claim.

Taking Necessary Precautions

Taking precautions to secure your home, such as installing security systems or fire alarms, can potentially lower your insurance premiums. It also showcases your commitment to safeguarding your property.

Filing a Home Insurance Claim

When the need to make a claim arises, it’s important to follow a systematic process to ensure a successful and timely resolution this includes:

Contacting Your Insurer

Inform your insurance company about the incident as soon as possible. Provide them with all the necessary details and cooperate with their instructions.

Providing Evidence and Documentation

Submit all required documentation, including proof of loss, photographs, estimates, or any other evidence to support your claim. Being thorough and accurate in providing information is crucial.

Best Practices for a Successful Home Insurance Claim

To increase the likelihood of a successful claim, certain best practices should be followed:

Timely Reporting

Report the incident to your insurer promptly. Delays in reporting may lead to complications in the claims process.

Honesty and Accuracy

Always be truthful and accurate in providing information related to your claim. Misrepresentation can lead to claim denial.

Cooperating with Insurer's Investigation

Cooperate fully during the claims investigation. Answer all queries and provide any additional information the insurer may require to process your claim.

Common Dos and Don'ts


  • Do review your policy annually: Ensure your policy is up to date and adequately covers your needs.
  • Do seek professional assistance: If needed, consult a Loss Assessor such as PCLA who can guide you through the process and even handle the matter from start to finish for you.


  • Don’t exaggerate losses: Be honest and accurate about the extent of damage or loss. Exaggerating can lead to potentially serious complications.


Understanding the home insurance claim process is vital for every homeowner in the UK. By following best practices, being honest and timely, and cooperating with your insurer, you can navigate the claims process successfully and ensure you receive the rightful compensation.


  1. How long does it take for a home insurance claim to be processed? The processing time for a home insurance claim varies based on factors such as the complexity of the claim and the insurer’s efficiency. Generally, it can take anywhere from a few days to several months.
  2. Can I make multiple claims on my home insurance policy? Yes, you can make multiple claims on your home insurance policy. However, frequent claims may lead to increased premiums in the future.
  3. What should I do if my home insurance claim is denied? If your home insurance claim is denied, review the denial letter for the reason. If you believe it’s unjustified, you can appeal the decision and provide additional evidence to support your case.

The Insurance Ombudsman exists to adjudicate on contentious matters such as this and they can always be called upon to give a judgment which the insurer is required to adhere to.

  1. Does making a home insurance claim affect my no-claims discount? Yes, making a home insurance claim can affect your no-claims discount, potentially resulting in an increase in premiums when you renew your policy.
  2. Can I cancel a home insurance claim after initiating the process? Yes, you can cancel a home insurance claim after initiating it. However, it’s essential to communicate with your insurer and understand the implications of cancellation on your policy and future claims.

Get Help With Your Claim From PCLA

Should you be unfortunate enough to need to make a home insurance claim, contact the team at PCLA. We are on hand to work for you to ensure that you receive your full entitlement. Our service involves surveying the damage, liaising with your insurer and their nominated loss adjuster, costing the works (you are not required to obtain building quotations) and negotiating the claim to settlement on the most favourable terms for you. If you need to make a home insurance claim in Northern Ireland, don’t delay call PCLA today.

Request a free survey

Call 028 9581 5318 for free claims advice and support. If you prefer, you can leave your details and we’ll call you back to arrange your free property damage survey.