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Top tips for dealing with insurance claims

In the wake of serious flooding in many parts of the North West, an expert in litigation law is offering his top tips for dealing with insurance claims.

Warwick Alabaster, solicitor in the Litigation team at Napthens, reports that research shows as many as ten per cent of insurance claims against some of the country’s largest insurers, are denied.

However, he warns that people should not simply be rejected by a call handler and fail to act. Instead they should have a refusal confirmed in writing with an explanation of the reasons behind the decision.

Warwick said: “The North West has seen some terrible flooding in recent days and this certainly highlights the need for clarity from insurance companies and what to do if a home or business owner is denied a claim.

“David Cameron himself has appealed to insurance companies to pay out quickly, but in reality this may not hold any weight.

“Therefore it’s important to be aware of your rights as an insurance policy holder. Reportedly just one per cent of people actually question an insurance company’s decision in denying an insurance claim, so certainly there is much that can be done to raise awareness.”

Warwick’s top tips are:

  1. Always have a refusal confirmed in writing with an explanation as to why that is the case.
  2. If a claim is rejected, carefully consider the terms of an insurance policy and the complaint procedure to follow.
  3. Even if a claim is accepted, there may be delays as an insurance company disputes the amount of money to pay out, so be aware it may not be a quick process.
  4. All insurance companies in this country are regulated by the Financial Ombudsman. If a property owner feels they haven’t been dealt with properly they can go to the free ombudsman service which has quite ranging powers to order the company to take remedial action if they feel it has wrongly rejected a claim.
  5. Failing that, the individual should instruct a solicitor with expertise in handling claims against insurance companies.