Claims for impact damage to a boundary wall.
by Admin
Posted on 31-03-2023 10:23 AM
Over the years we have dealt with many claims for damage to homes which have been impacted by cars when the driver – and it may be you – has lost control of their vehicle. Often this happens when simply parking your car on your driveway or when maneuvering your car into a garage. We have dealt with several claims where the driver has taken down a garage, a wall or even the front bay of a house. If this is you, the first thing you should do is, stay calm, and don’t ‘blame’ your self’. These things happen.
https://www.pdla.ie/impact-damage
Understanding your Home Insurance Policy
Impact damage insurance is designed to cover the cost of repairs to structural damage caused by impacts by vehicles, falling trees or flying debris. Are you worried about making an impact damage insurance claim in london?
now, let me ask you something.
When did you last check your home buildings insurance policy?
probably never, right?
that’s because most people trust their insurance agent or their broker to find them the best deal. In an ideal world you’d never have to check your policy or understand what any of it means. But, unfortunately, if you’re reading this, then you probably need our help.
Home contents insurance policies are usually worked either on the number of rooms in your house. These are known as bedroom rated polices. Alternatively, they may be based on the total value of the contents and possessions you own. These are called sum-insured policies. Premiums can be higher if you take out a policy worked out on the number of rooms but they may offer more cover. You will need to compare: what each policy covers and what the exclusions are the premium you have to pay the amount of any excess that you will have to pay yourself the no claims bonus which increases yearly if you don't make a claim.
A homeowner’s insurance policy pays for losses or damage to your property if something unexpected happens. Once the insurance company sends an adjuster and evaluates the damage to your home, they’ll pay a settlement amount in either replacement cost or actual cash value. Replacement cost gives you funds to cover the costs to rebuild your home or repair damages using similar materials. Actual cash value gives you funds to repair or rebuild based on the value of your home, considering its age and condition or market value. Keep in mind that the market value of your home may not match the replacement value.
By liaising with your insurers and offering professional building solutions, we can restore your property to what it was. Fortunately even rarer, damage caused by vehicle impact or collision can also befall a property. Again, we can perform the necessary building working work, smoothly and professionally. We can also liaise with and prepare reports for the insurer of the vehicle involved. As with flood damage and fire damage, we appreciate the urgency of responding to events like these. We will do our best to keep you and your family, your home or premises, and your possessions safe and secure, and to get everything back to normal as quickly as possible.
Many insurers will give you up to 180 days to make a claim on your home insurance, but it's always best to get in touch as soon as possible. Insurers like to handle large claims as soon as possible, especially if there is a flood or fire. Delaying a claim could worsen the damage, and you'll be keen to get yourself back on your feet as soon as possible anyway.
Structural damage caused by falling trees, heavy branches or significant subsidence could make your home uninhabitable. If a tree falls on your home, you should evacuate immediately. Similarly, if a branch heavy enough to cause visible structural damage falls, you should leave the property and call for the fire brigade. Should your home be unsafe to re-enter, contact your insurer so they can arrange alternative accommodation while the damage is assessed.