Insurance Claim Rejected? Decision Review Checklist
A practical checklist for reviewing a rejected property insurance claim, including the insurer’s reasoning, relevant policy wording, supporting evidence and possible complaint or review routes.
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Making an Insurance Claim: Guidance and Advice
Practical Guidance for Preparing and Progressing an Insurance Claim
When property damage leads to an insurance claim, the process can feel difficult to manage. These guides explain the main stages, the evidence you may need and the practical decisions that can affect how the claim develops. Start with our property insurance claims process guide for an overview of what happens after damage is reported.
We also explain how to document property damage, respond to insurer questions, review settlement proposals and seek further help when a claim is delayed, disputed or rejected. The aim is to give homeowners, landlords and business owners clear, practical guidance throughout the claim.
Burst Water Pipe? What to Do Next and How to Protect Your Claim
Practical steps after a burst water pipe, from limiting further damage and staying safe to recording evidence and preparing the resulting home insurance claim.
Home Insurance Advice for Cover, Claims and Property Damage
Home insurance guidance covering buildings and contents cover, policy limits, underinsurance, renewals and the key checks to make before or during a property claim.
Guide On What To Do If Your Claims Company Is No Longer FCA-Authorised
What to do if a company handling your insurance claim loses FCA authorisation, including how to check its status, responsibilities and your available options.
Need An FCA-Authorised Claims Company For An Existing Claim?
Guidance for policyholders seeking FCA-authorised support with an existing insurance claim, including what to review before appointing another firm to assist with the claim.
What “Independent” Really Means in an Insurance Claim
What independence means in an insurance claim, including who appoints, instructs, pays and receives reports from a claims professional, and why potential conflicts matter.
Does Home Insurance Cover Damage From Storm?
A clear look at when home insurance may cover storm damage, how insurers assess causation and property condition, and what evidence can support a claim.
What To Do If Your House Is Flooded
What to do after a house flood, prioritising safety, documenting damage, contacting your insurer and protecting evidence before major cleaning or repair work begins.
Insurance Investigator Guide: My Insurer is Investigating Me!
What to expect when an insurer appoints an investigator, why questions may arise and how policyholders can prepare evidence, respond carefully and understand the process.
Insurance Ombudsman Guide: Beat Unfair Insurance Claim Decisions
How the Financial Ombudsman Service can consider eligible insurance complaints, including the steps, evidence and insurer complaints process to review before making a referral.
What to Do If Your Insurance Payout Is Too Low – Steps to Challenge a Settlement Offer
Steps to review a low insurance settlement offer, check repair costs and policy deductions, gather supporting evidence and raise reasoned questions with the insurer.
Claiming on Contents Insurance Tips
Practical contents insurance claim tips covering how to record damaged or stolen belongings, evidence ownership and value, and avoid common problems while the claim progresses.
Loss Adjuster Support
Understand the difference between insurer-appointed and independent loss adjusters, what each role involves and when independent claim support may be appropriate.
Loss Adjuster Guides
Guidance on Making a Claim
Practical guidance on preparing, documenting and progressing an insurance claim, including what to do when questions, delays or disputes arise.
Making a Claim Guides
Insurance Terminology
Clear explanations of common insurance terms, policy wording and claims terminology to help you understand correspondence, decisions and the claims process.
Insurance Terminology GuidesNeed Clearer Direction on Your Claim?
Tell us what has happened and where the claim currently stands. We will review the initial information and explain whether ILA may be able to help.
Every claim depends on its individual circumstances, supporting evidence and policy wording. No particular outcome can be guaranteed.