Lesson 8
Making a Claim Safely and Honestly
Keep people safe, limit the damage where you safely can, evidence the loss and answer every question accurately.
Builds on
People first, paperwork later
A claim starts with a real emergency, not a form. People come first. If anyone is in immediate danger, call 999. Don’t go into floodwater, near damaged electrics, onto a roof or into a building that may be unsafe, not even to photograph the damage. No insurer expects you to take that risk for a picture.
Once everyone is safe, contact the insurer through its claims line. A claims handler runs your claim; for bigger losses the insurer may send a loss adjuster, a specialist it appoints to assess the damage and the cover.