Make An Insurance Claim
Our friendly team of insurance experts are ready to answer any questions you may have regarding your policy or making a claim. Whilst we cannot guarantee we have all of the answers, our staff members are committed to finding the information you may need or directing you to a resource that will help.
At Hamilton Fraser we understand that resolving claims as quickly as possible is a necessity for landlords, that’s why our claims process is clear, straightforward and simple, meaning that making a claim should take no longer than is absolutely necessary.
Making a claim
When notifying us of a claim or seeking information regarding an existing claim please call our experienced claims team who will be able to assist you. We will tell you there and then if we believe your claim will be covered and then inform your insurance company for you. Ultimately, our goal is to make sure that you are provided with assistance at every stage of the claims process until your claim is successfully concluded.
During the claims process you will need:
- Your landlord insurance policy documents
- A crime reference number if the claim is regarding a theft or malicious damage
In the event that you are calling outside of business hours (Monday to Friday between 9.00am and 5.30pm) enquiries will be directed to our office message system. Simply leave the details of your claim and a member of our claim handling team will be notified by email. You will then be contacted as soon as possible to advise you on how to proceed with your claim.
Immediately after you are made aware of a loss at your premises you should ensure that any emergency repairs are undertaken in order to prevent further loss or damage to the property. This might include, for example, boarding up damaged windows or temporary repairs to make the premises secure and watertight. This work may need to be undertaken at your expense and we would advise you to retain all receipts or invoices so that these costs can be considered as part of your claim.
For emergency cover claims
The insured event must result in an emergency leaving your rental property unsafe, insecure or without essential service. If an emergency does occur you or your tenant(s) should not call out your own contractors as we will not pay the costs incurred and this could invalidate the cover.
You or your tenant(s) should also report any major emergency which could result in serious damage to your rental property or injury, to the Emergency Services or the utility company that supplies the service.
Making a claim
- Call the emergency helpline on 0333 000 7854 quoting your policy number
- We will record the details of the emergency and verify your policy cover
- Providing we accept the claim we will arrange for a contractor to contact the tenant(s) and arrange a visit as quickly as possible
- If the incident is not covered by your emergency cover policy then we can still provide assistance although this will be at your own expense