Dealing With Insurance Brickwork Claims: What You Need To Know

When unexpected damage occurs to your home or property, dealing with repairs can be stressful enough without adding the complication of insurance claims. If brickwork has been damaged due to an accident, weather event, or other insured circumstances, you may need to make a claim. Here’s a guide to help you understand the process of insurance brickwork claims and what you need to keep in mind.

1. Understand Your Insurance Policy

Before making a claim, the first step is to review your insurance policy. Ensure you understand the coverage limits, excess charges, and any exclusions related to brickwork. It's essential to confirm whether the damage falls under your building insurance, as most policies will cover structural damage caused by insured events like storms, flooding, or accidental damage.

Key Points to Check:

• Is brickwork covered by your policy?
• Does your policy cover the cause of damage (e.g., storm, fire, or accidental)?
• Are there specific exclusions or conditions for structural repairs?

2. Document the Damage

When you notice brickwork damage, it’s crucial to document it as soon as possible. Take clear, dated photos of the affected area from multiple angles. This will help support your claim when submitting it to your insurer. Make sure you keep any records of emergency repairs carried out to prevent further damage.

What to Include in Your Documentation:

• Photos of the damage
• A written description of how the damage occurred
• Any emergency repair invoices or receipts

3. Contact Your Insurer Promptly

After documenting the damage, contact your insurance company to inform them about the incident. They will likely send an assessor or loss adjuster to inspect the damage and evaluate the cost of repairs. Be sure to provide them with all relevant documentation and details of the incident.

Important Tips:

• Contact your insurer as soon as possible after the damage occurs.
• Be prepared with your policy number and a detailed account of the incident.
• Ask for confirmation of what the next steps will be.

4. Choose a Reputable Contractor

Once your claim is approved, you will need to hire a brickwork contractor to carry out the repairs. It’s essential to choose a company with a solid reputation for quality work, like K Tunney Brickwork Ltd, to ensure the repairs are completed to a high standard. Some insurers may have preferred contractors, while others allow you to choose your own. Always check if your chosen contractor meets the insurer's requirements.

Things to Look for in a Contractor:

• Proper accreditation and insurance
• Experience with insurance-related repairs
• Positive customer reviews or testimonials

5. Get a Detailed Quote

Before work begins, get a detailed quote from the contractor for the necessary repairs. Make sure the quote includes materials, labour, and any potential unforeseen issues that may arise during the repair process. Share this quote with your insurer to ensure they approve the costs.

Include in Your Quote:

• Full breakdown of labour and materials
• Estimated timeline for the work
• Any potential extra costs (e.g., scaffolding, additional materials)

6. Keep Communication Open with Your Insurer

Throughout the repair process, stay in regular contact with your insurer. Keep them updated on the progress of the repairs and any issues that may arise. Some insurers may require regular inspections or updates before they release final payments.

Steps to Follow:

• Provide updates on the repair progress.
• Submit invoices or receipts for reimbursement, as required.
• Ensure all paperwork is completed before the insurer closes your claim.

Conclusion

Dealing with insurance brickwork claims can feel overwhelming, but by understanding your policy, documenting the damage, and working with a reputable contractor like K Tunney Brickwork Ltd, you can ensure the process goes smoothly. The key is to stay organised and communicate clearly with your insurer at every stage.

If you’re in need of expert brickwork repairs, contact K Tunney Brickwork Ltd for professional service and peace of mind.

FAQs About Insurance Brickwork Claims