Last updated: 02 November 2025
Types of Damage and Common Claims
This hub links to detailed guides for the claim types UK homeowners face most often. Each guide explains the insurer’s definition, the actions that help, evidence to keep, and how repairs or settlements are agreed — all in calm, plain English.
Start with safety
If you’re in an active incident, go to Home Emergency for make-safe steps, then come back here to read the full guide that matches your situation.
Claim types
- Escape of Water Claims
- Fire Claims
- Flood Claims
- Storm Claims
- Subsidence Claims
- Theft Claims
- Accidental Damage Claims
- Oil Leak Claims
- Impact Damage Claims
- Trace and Access
These pages are designed to be practical. You’ll see short checklists, realistic examples, and clear next steps so you can get moving right away.