A typical example of a large water damage claim is where a cold snap in the winter causes a pipe in the loft to burst while you’re away.
1. First visit
A loss adjuster will visit your home to look at the damage with you and see what steps need to be put in place to plan the repairs.
2. Alternative accommodation
If your home can’t be lived in because of the damage, AXA and the loss adjuster will help find you somewhere else to live while the work is carried out. The policy pays for ‘reasonable’ costs of alternative accommodation and because our customers have different needs, we try to be as flexible as possible.
Some people prefer to stay with friends or family and if this is the case we can pay an ‘inconvenience allowance’ to compensate for this. With a large claim however, it’s more likely that you’ll need a rented home to stay in as the process can take many months depending on the damage.
3. Drying/stripping out
There are many different types of houses and their age and construction play a big part in what steps are needed to dry them out.
Some areas may need to be stripped out all together, but the important thing is to make sure the home has the right atmosphere for the repairs to happen. The home will often look dry before it’s truly ready for repairs, so this can be a frustrating time for customers.
But if a home isn’t properly dried out there’s a risk that when the works are done, moisture can cause damage to reappear.
4. Repairs or cash
When the home is being prepared for the repairs a ‘schedule of works’ will be drawn up which will list everything that needs doing to complete the job.
Where there is significant damage, we may use a surveyor with specialist knowledge to put together this document.
Loss adjusters will have their own network of contractors who’ll be able to price for the work. We can also consider your own preferred contractor if you have one, to put together their price for the work.
If the work is completed by our approved contractors then they will guarantee the repairs and work with you to make sure they’re completed to your satisfaction.
If you prefer to manage the repairs yourself then we can cash settle the claim once a price is agreed. This does however, mean that you’ll have to manage any building works yourself and we’re not able to guarantee repairs that are carried out by contractors who we have no links with.
Once the repairs are complete, we’ll settle the claim and you can get on with enjoying your newly repaired home.
While your claim is progressing, don’t forget that we’re always here to help. If you have any further questions or concerns, please get in contact.