UK home insurance claim information
Home insurance claim not going to plan?
Home insurance claim declined, rejected or not paying enough?
If your claim has been declined, disputed, partially paid or isn’t covering the repairs you expected, understanding what to do next can be difficult.
Declined Claims Finance provides clear information to help property owners understand common insurance claim problems and the options they may wish to explore.
Find information about
Start with the description closest to your situation.
What are you dealing with?
Choose the situation closest to yours to read plain-English information about how these claims can be handled in the UK.
- Claim declined or rejectedCommon reasons claims are refused and the steps you may be able to consider if you disagree.Read the guide
- Water damageEscape of water, leaks, gradual damage, drying and repairs explained in plain English.Read the guide
- Storm or roof damageStorm claims, roof damage, weather evidence and wear-and-tear disagreements.Read the guide
- SubsidenceSubsidence investigations, monitoring, repair methods and typical claim stages.Read the guide
- Settlement too lowScope of works, quotations, excess, underinsurance and cash settlement considerations.Read the guide
- Wear and tearWhat insurers mean by wear and tear, and how it can affect a home insurance claim.Read the guide
Why home insurance claims get complicated
Disagreements often come down to a small number of recurring issues. Whether any of them apply will depend on the policy wording and the circumstances of the claim.
Wear and tear
An insurer may treat damage as the result of deterioration over time rather than a sudden, one-off event.
Gradual damage
Damage said to have developed slowly, such as a long-running leak, can be treated differently from a sudden failure.
Disagreement about the cause
Both sides may accept there is damage but disagree about what caused it, which can change whether a policy responds.
Settlement lower than the repair cost
Differences in repair scope, pricing, deductions or assumptions can leave an offer below the cost of the work quoted.
How this site helps
Understand the decision
Learn about common reasons home insurance claims are declined or restricted, and the wording insurers tend to use when they explain a decision.
Understand the repair problem
Learn about the damage, investigations and repair considerations that may follow, from drying and leak detection to roof inspections and structural monitoring.
Understand your options
Find information about insurer complaint processes, independent professional help and other possible next steps you may wish to explore.
Help us understand the problem
We are researching what UK property owners struggle with most when a claim does not go to plan. If you are willing to share your experience, it helps shape the information we publish next.
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