We will only assist with an insurance claim on behalf of a landlord if we have the landlord’s written instruction to do so. The charge for this service will be agreed with the landlord in writing in advance of any work being undertaken.

In common with most letting agents, we are not regulated by the Financial Conduct Authority and cannot, therefore, deal with any regulated activities unless we are named on the policy as a joint policyholder. Regulated activities include notifying the insurer of a claim and completing a claim form. 

If we are named as a joint policyholder we will notify the insurer that it is likely a claim will be submitted to them as soon as is practical after we become aware the loss has been incurred and authorisation has been given by the landlord to submit and deal with a claim. We will provide details of the loss to the insurer and seek instructions from them on how many quotes they require for remedial works. 

We will obtain quotes for remedial works if these are required by the insurer and submit these to the insurer.

If the insurer wishes to send a loss adjuster to the property, we will arrange access to the property for them and we will meet them at the property.

If the insurer agrees to remedial works being carried out by a third party contractor: –

Once the insurer has approved a quote and agreed that remedial works can commence, we will arrange access to the property for contractors carrying out the works. Once the remedial work has been completed we will carry out an inspection to check that the standard of the work is satisfactory. If it is not then we will ensure the contractor returns to rectify faults with the work before their invoice is submitted to the insurer for payment.

If the insurer wishes to arrange remedial works themselves using their own contractors: –

We will arrange access to the property for contractors carrying out the works. Once the remedial work has been completed we will carry out an inspection to check that the standard of the work is satisfactory. If it is not then we will contact the insurer to make them aware of this and ask that they arrange for their contractors to return to rectify faults with the work.

We will update the landlord on the progress of the claim on a regular basis.