How do I make an impact damage insurance claim?
How do impact damage claims work?
The first thing you need to do is appoint PCLA to act on your behalf. PCLA will notify your insurance company to start your claim. Our team of professional loss assessors will handle the entire claims process for you. Our aim is to ensure your claim is handled as efficiently as possible meaning your property can be reinstated as soon as possible.
What happens when I have an impact damage claim?After you appoint PCLA they review your policy and, if cover is in place, will contact the insurance company to notify them of the incident. The insurer may ask for a report detailing the full extent of damage caused by the impact, PCLA can provide this if needed. If a Loss Adjuster is appointed by the insurer, PCLA will liaise with them and present them with all claim details required. PCLA will meet with the Loss Adjuster on site if necessary to go over the circumstances of the loss and damage. PCLA will compile a fully costed schedule of claim using current market rates based on the damage evidenced to the property, meaning there is no need for you to obtain builders quotations to present to your insurer. PCLA will then negotiate the best possible settlement for you under the terms of your insurance policy.
How do I make sure I get what my policy entitles me to?
Contact PCLA as soon as possible. We will assess the damage to your property, cost the works required and negotiate with your insurer. That is why, with PCLA acting on your behalf, we can ensure you get everything you are entitled to under your insurance policy.
Should you use a Loss Assessor?
Making an insurance claim can be very time consuming and often frustrating. We’re here to help. As experienced loss assessors we work on your behalf to manage the entire claim process, so you don’t have to, and to ensure you receive everything you are entitled to.
What our client's say
Why are impact damage claims rejected?
It is important to read the terms and conditions of your insurance policy to understand what is and is not covered. PCLA have expert knowledge to guide you in the best way possible through your insurance claim.
How long does it take to settle an impact damage insurance claim?
Impact damage claims can be quite complex. The insurance company will usually require a report from a qualified professional to confirm the extent of the damage noting the structural integrity of the item or items affected.
If needing to be demolished, costings and method statements may be required. In some instances, insurers may require the input of a structural engineer to give their opinion on the damage.
However, with PCLA working on your behalf we can take away the stress and hassle and deal with the case from start to finish on your behalf.
PCLA will liaise with your insurer and ensure your claim is dealt with promptly and fairly. All aspects of the claim are handled by PCLA and we work on your behalf to ensure the process is as seamless and stress free as possible.
Making an impact damage insurance claim can be time consuming. We’re here to help.
- Our experienced loss assessors work on your behalf.
- We manage the entire claim process, so you don’t have to worry.
- Not only do we deal with the insurance company, we even compile priced schedules of works to fix the damage.
- PCLA takes care of everything to make sure you receive everything you are entitled to.
Trust PCLA with your insurance claim
This type of insurance claim is not as common as other forms of property claims. But, if you are unlucky enough to experience impact damage to your property, it is important to know how to make a successful insurance claim.
This is damage to your property that is not the result of a specific event, such as a fire or storm. However, not all home insurance policies include accidental damage as standard and those that do have certain exclusions.
You may think your home is insured, but if your home is not insured or is underinsured, you could face a bill for property damage worth thousands of pounds.
We offer help and advice for all instances of Commercial or Domestic Property Damage. Use the links below to learn more about how a loss assessor can take the stress out of your insurance claim.