Home insurance - Problems after home damaged by fire

How does Resolver work?

Explains your rights to you

You'll find no legal jargon in our simple, comprehensive consumer rights sections. Our guidance is tailored specifically for every type of issue.

Helps you prepare your emails

We provide a wide range of flexible email templates for you to adapt to your needs – just slot in the specific details for your case, and in a few short clicks your issue will be ready to go.

Creates a case file for you

Your case file is a secure online location for all important documents regarding your issue. You can upload photos, tickets, copies of receipts or external emails from before you raised your issue with Resolver.

Lets you record all your communications

One of the most important aspects of a complicated issue is keeping a record of all your correspondence regarding the complaint – Resolver does this for you automatically.

Lets you know when to escalate your complaint

If you’re not satisfied with the initial response from the organisation you have an issue with, our escalation process will let you know when you can raise your complaint to the next level of seniority and, ultimately to an ombudsman or regulator, where appropriate.

Based on resolver’s experience to date, there are few things more terrifying and potentially dangerous than a fire – insurance might cover the damage to property, but it won't help with the emotional distress caused by having your home damaged by fire. If the fire brigade has been involved you will have a fire report number that you should give to your insurer upon contacting them. Your buildings and contents insurance will cover the damage and loss - make sure you report your claim to both buildings and contents insurer if they are different. Start to draw up a list of contents in damaged areas to aid your claim's processing.

If you are unable to return to your home and you can’t stay with friends or relatives your insurance company may cover the cost of bed and breakfast or hotel accommodation. If you are going to be out of your property for some time you may want to find rented accommodation. Local housing agencies will have a list of accommodation. Most insurance companies will be able to give you an emergency payment to cover items for everyday living such as clothing - this will be taken off the final settlement. Make sure you keep in contact with your insurance company regularly to make sure the work carried out is covered by your policy. Don’t be tempted to dispose of items that appear to be beyond repair until you have agreed this with your loss adjuster.

Your insurers will give you advice and may have a list of companies they deal with to help you and make the whole process as stress-free as possible. Be aware that by making a claim on your insurance, your renewal premiums will most likely increase and you will lose any no claims bonuses you may have accrued. resolver recommends that you submit any concerns to your insurer in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know
  • If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.

Find the best rights for you

We have 5,148 pages of rights advice for you covering 6,934 companies and organisations across 17 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.

Start by telling us the name of the company or organisation you have an issue with.

Who do you have an issue with?

Raise it for free via Resolver

Helping you with Problems after home damaged by fire

Resolver covers the issue Problems After Home Damaged By Fire for 148 companies and organisations:

a  b  c  d  e  f  g  h  i  j  k   l  m  n  o  p  q  r  s  t  u  v  w  x   y  z