Making a Claim

How Do You Make an Insurance Claim with Edwards Insurance?

Making a claim can be a daunting process if you don’t know where to start but we hope this section of our website will help you find your way and provide you with all of the information you need to be able to make your claim.

However big or small your claim, our dedicated claims manager Elaine is on hand to walk you through any claims processes you need to undertake.  Follow the steps below to make your claim.

Step 1

Prevent & Secure

The first thing to do in the event of any claim is to prevent any further damage or loss.  This is more relevant for building related claims.

Read what to do

A break-in and theft (including attempted break-in), you should make sure thebuilding is safe, secure and watertight. This might mean boarding up any broken windows or doors.

A fire, emergency services should take care of the situation but then you should make sure the building is safe, secure and watertight. This includes boarding up broken windows and doors, and might mean emergency repairs, or covering of the roof if damaged. The fire brigade or police may have even already boarded the property up for you. Never remove any damaged contents as you may need evidence of these for your claim.

An escape of water leading to flooding, you should immediately turn off the water supply at the stopcock and call a plumber. The plumber should be able to locate the source of the escaping water – you will need to know where the water has come from in order to make your claim. The plumber may also be able to make any necessary temporary emergency repairs. Never remove any water damaged contents as you may need evidence of these for your claim.

Storm damage, you should make sure the building is safe, secure and watertight by boarding up any windows and doors and covering any damage to the roof if necessary.

A flood due to inclement weather, the most important thing is that you do not throw any damaged items away and that you take pictures of the damage where you can. These will all serve as evidence to help with your claim. In the event of major floods, it might be impossible to keep water out of your buildings, but where possible you should try and sweep or mop the water out and turn any water, gas and electricity services off. Once cleared, it might also be an idea to place sandbags in external doorways to prevent further flooding if appropriate.

Step 2

Call Elaine

Once you have made sure that you have prevented any further loss or damage you need to speak to Elaine. She will then be able to take the necessary details and information about your claim to pass to insurers, and advise you of the best plan of action for you.

How to contact Elaine

The best and quickest way to get in touch with Elaine is to give her a call on 01564 730 900.

After your initial contract with Elaine, you might need to email her with any further information or supporting documents on elaine@edwardsinsurance.co.uk

Step 3

Fill out a Claims Form

If you have spoken to Elaine and you have decided that you want to make a claim, Elaine will ask you to fill in a claims form.

Which Claims Form?

All of our different insurers have their own claims form, so it is important you fill in the right one. Don’t worry, Elaine will tell you exactly which one you need to fill in, and help you with any parts that you might find difficult. Please don’t fill in a claims form until Elaine has advised you to do so.

Frequently Asked Questions

Do I need to tell you of any incidents, even if we do not claim?

Yes. All incidents should be notified to us even if you do not want to claim so we can inform insurers.

Do I need to tell you of any incidents, even if we do not claim?

Yes. All incidents should be notified to us even if you do not want to claim so we can inform insurers.

Someone has tripped and hurt themselves. Do we have to let you know?

Yes as soon as possible. If you receive a third party solicitor’s letter it should be sent to us immediately and unanswered. Your insurers will then investigate the circumstances to ascertain whether liability will attach.

Where can I get a claim form from?

Please contact us so we can send you one by post or email.

We have suffered a break-in what should we do?

Inform the police and obtain a crime reference number. Make sure the property is safe, secure and watertight. Obtain two estimates, if possible, for repairs/replacement. Take photos of damage.

Water is coming in through the roof

If this is rain water it may be roof tiles have slipped or perhaps lead has been stolen. Ask a roofer to investigate and make it watertight and secure. Estimate should state the cause of the damage i.e. stolen lead, stormy conditions etc.

Is wear and tear covered?

No. General maintenance and wear and tear is not covered under the policy. Neither is gradually operating cause.

We have found rot in the property is this covered?

Rot however caused is not covered by the policy. However, you should take the appropriate action to rectify the problem.