For UK homeowners
Your home insurance claim, in plain English.
Leak through the ceiling? Storm took the fence? Insurer using words nobody says out loud? Claims Decoded explains what's actually going on, written by someone who's spent years on the other side of the clipboard.
- Escape of water
- A leak. Pipes, tanks, appliances.
- Excess
- The bit of every claim you pay yourself.
- Gradual deterioration
- "It wore out" — usually not covered.
- Cash settlement
- Money instead of the insurer's builder.
- Underinsurance
- Covered for less than it's worth. Ouch.
Latest guides
The first guides are being checked.
Every guide is reviewed before it goes up, so nothing here is guesswork. First topics: storm damage refused as "wear and tear", cash settlements, and what to do when your claim stalls.
What we cover
Water & leaks
Burst pipes, slow leaks, trace and access, drying out.
Storm & weather
What counts as a storm, and why "wear and tear" gets quoted back at you.
Subsidence & structure
Cracks worth worrying about, and how these claims really run.
Theft & contents
Proving what you owned, valuables limits, new-for-old.
The claims process
Who turns up, what they're looking for, and how long it should take.
Policy basics
Excesses, exclusions, underinsurance — the small print, enlarged.
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Short, plain-English explainers on how UK home insurance claims actually work. No sales pitches, no jargon, unsubscribe any time.
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