How will my property be repaired?
If your claim is accepted, we may: Arrange for an approved contractor to carry out repairs, or Ask you to obtain quotes from contractors This will depend on your policy and the type of claim.
What is reinstatement?
Reinstatement means restoring your home to the condition it was in before the damage occurred. This may include repairs, rebuilding, or replacing damaged parts of your home.
Will you replace damaged items?
If your claim is accepted: Damaged contents may be repaired or replaced Replacement will usually be based on: The item’s value Your policy limits
Do I have to use your approved contractors?
In some cases, we may recommend approved contractors. You may be able to use your own contractor, but: We may need to approve costs first We may not cover costs above our agreed rates
Do you cover temporary repairs?
Yes. If you have Home Emergency cover. We may arrange emergency or temporary repairs to: Prevent further damage Make your home safe Permanent repairs will be arranged separately.