Home insurance - Problems due to fire damage

Based on resolver’s experience to date, there are few things more terrifying and potentially dangerous than a fire – insurance might cover the damage to property, but it won't help with the emotional distress caused by being broken into and having your home damaged by fire. Be sure to report the incident to the police, who will give you a crime reference number that you should give to your insurer upon contacting them. Your buildings and contents insurance will cover the damage and loss - make sure you report your claim to both buildings and contents insurer if they are different. Start to draw up a list of contents in damaged areas to aid your claim's processing.

If you are unable to return to your home and you can’t stay with friends or relatives your insurance company may cover the cost of bed and breakfast or hotel accommodation. If you are going to be out of your property for some time you may want to find rented accommodation. Local housing agencies will have a list of accommodation. Most insurance companies will be able to give you an emergency payment to cover items for everyday living such as clothing - this will be taken off the final settlement. Make sure you keep in contact with your insurance company regularly to make sure the work carried out is covered by your policy. Don’t be tempted to dispose of items that appear to be beyond repair until you have agreed this with your loss adjuster.

Your insurers will give you advice and may have a list of companies they deal with to help you and make the whole process as stress-free as possible. Be aware that by making a claim on your insurance, your renewal premiums will most likely increase and you will lose any no claims bonuses you may have accrued. resolver recommends that you submit any concerns to your insurer in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.

If you can't resolve your issue within 8 weeks of making your complaint (or if you've received a 'deadlock letter' or final decision from the company), you can escalate your case to the Ombudsman.

Your complaint must be under 6 months old to be escalated to the Ombudsman.

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