We are sorry to hear that you have suffered a loss and need to call upon your insurance policy on this occasion.
In order to try and make the process as streamlined as possible we have outlined the procedure and documentation required in order to assist in effectively dealing with your claim.
An insurance policy is one of indemnity , meaning to put you back in the position you were in prior to your loss (or as near as possible). This does not preclude you from upgrading items or having a cash settlement but these options generally have a negative effect on the overall settlement of your claim.
The above claim information will mean that a decision can be made promptly and either authority to proceed, or confirmation that an approved supplier/contractor will be instructed to progress matters further.
Once agreed claims are generally settled on a reimbursement or direct billing basis. This document is to try and give you a brief outline of what to expect but we appreciate that every claim circumstance is different. We endeavour to review each incident on an individual basis and try to bring matters to a fair and satisfactory conclusion for all parties.