Many home insurance policies include accidental damage cover that can be used to fund professional surface repair. Here is how to make a claim and what to expect.
When to Make an Insurance Claim
Accidental damage cover typically applies to sudden, unexpected damage caused by an accident — a pan dropped on a worktop, a ladder falling against a tile, an appliance impact on a bath. It does not typically cover gradual wear, pre-existing damage or maintenance issues.
The Repair vs Replacement Question for Insurers
Insurance companies are increasingly aware that professional surface repair provides an equivalent result to replacement at a fraction of the cost. A claim for bath chip repair at £150 is significantly more straightforward to settle than a claim for bath replacement at £1,200.
We work with insurers and loss adjusters and can provide full before-and-after photographic documentation, a detailed description of the repair carried out, and professional invoicing in the format required for insurance claims.
Our Documentation
For insurance claims we provide:
- Before and after photographs
- Written description of damage and repair method
- Itemised invoice with labour and materials breakdown
- Company registration, insurance and accreditation details
Making a Claim
Contact your insurer to report the damage. They will advise on the claims process. In many cases you can arrange your own repairer and claim the cost back. In others, the insurer will appoint a loss adjuster.
Get a Free Quote
Send us photos of the damage and your postcode for a fixed price with no obligation. We respond the same day.
