Have you seen the ITV News report on home and property insurance claims reform? A recent segment highlighted a petition led by consumer champion Which? that’s calling out unfair practices among insurers. If you’ve ever felt thwarted by a slow or unhelpful claims process, you’re not alone:
Why so many claims are falling short
In recent months, people across the UK have reported being offered settlements that barely scratch the surface of what their policies should cover. Whether it’s storm damage to your roof, flooding in your basement or even subsidence, claimants are increasingly stuck between:
- A complex, jargon-filled claims process that eats up your time and energy
- Pressure to accept lowball offers because pursuing a full complaint through the Financial Ombudsman Service can take months or even years
Insurers know most of us simply can’t afford the time, or the legal fees to battle for a fair outcome. The result? What should be straightforward property-damage claims end up being a tug-of-war, with homeowners and small-business owners left to cover repair costs out of their own pockets.
How entry-level insurers add to the problem of property claims reform
Another factor is the rise of low-cost, online-only insurers keen to grab market share. By stripping out what used to be standard cover, these “no-frills” policies can look cheap on the surface, but when the worst happens, they often leave you out of luck. Without qualified advice to guide you through policy wording, it’s easy to discover too late, that key benefits simply aren’t there.
Your rights and your options
If you find yourself at odds with your insurer over a sizeable claim, there’s a route to a better outcome. You don’t have to go it alone, and you don’t have to accept a settlement that doesn’t cover the full cost of repairs, contents replacement or tenant improvements.
Your Claim is a team of experienced loss assessors serving homeowners and businesses throughout London and East Anglia. We step in on your behalf to:
- Liaise directly with your insurer, cutting through the red tape
- Review your policy in detail to highlight any gaps or points of confusion
- Re-vet your claim before you submit it, so you know exactly what you’re entitled to
- Monitor progress and, if necessary, push back until you receive a fair settlement
Because Your Claim works independently, their only focus is securing the best possible outcome for you – whether that’s rebuilding after smoke and fire damage, repairing storm-blasted roofing or dealing with the fallout from theft, vandalism or subsidence.
A stress-free, value-added service
At what can already be an incredibly stressful time, it’s a comfort to know someone has your back. Your Claim can even arrange practical support such as emergency boarding-up, temporary repairs or alternative accommodation for you, your family and even your pets. Best of all, this is a free, value-added service: there’s no extra cost to you on top of your policy excess.
Services offered by Your Claim
- Building damage claims (storm, subsidence, impact)
- Water and flood damage
- Smoke and fire damage
- Theft and criminal damage
- Contents claims (furnishings, fixtures and fittings)
- Emergency assistance (repairs, accommodation)
Why an independent loss assessor makes a difference
- Save time and stress – Rather than wrestling with forms and phone menus, you get straight-talking advice and fast, proactive support.
- Maximise your settlement – With detailed knowledge of insurance wording, loss assessors ensure no valid claim line is overlooked.
- Fast response – Your Claim aims to review your policy on the same day and attend site within hours if needed.
- Peace of mind – An advocate in your corner means you can focus on getting back to normal, not chasing your insurer.
Take a stand—and get the right support
Consumers need to make their voices heard to spark lasting change. In the meantime, if you’re facing a large property-damage claim or simply want to know where you stand, reach out to Your Claim for an obligation-free review of your cover.
Sign the Which?’s petition and then contact Your Claim on 01206 707 999 or via email. Whether it’s building damage, flood loss or stolen contents, help is just a phone call away.
“I thought I was at the mercy of my insurer – until Your Claim stepped in and turned things around.”
A recent client testimonial
Don’t let a poor settlement force you to pay out of pocket. Get the expert guidance you need to move forward with confidence.
