Last updated: 02 November 2025

Home Claims Guide

Independent, plain-English help for UK home insurance claims — written for homeowners, not insurers.

1. Home Emergency

What counts as an emergency, who to call, and how cover works.

Step-by-step from first notice of loss to settlement.

Escape of Water, Storm, Subsidence and more — with dedicated subpages.

Adjusters, contractors, evidence, timelines, boundaries.

Perils, exclusions, trace & access, excesses and limits.

How to escalate, with UK ombudsman routes.

150+ terms in clear English.

Short answers to common questions.

Why this site exists and how we keep it independent.