MAKING AN INSURANCE CLAIM
Our aim is to make the claims process as painless as possible.
Amber will handle the insurance claim paperwork with the insurance broker, while you (the property owner/leaseholder) will deal with the contractors to arrange the works. This means you can arrange appointments at times that suit you.
If you have incurred damage inside your property as a result of a leak from a neighbouring property, or the failure of a communal system, you may be able to make an insurance claim against the building’s insurance policy.
If your damage has been caused by a system inside your property (eg. an overflowing washing machine), this will generally not be covered by the buildings insurance.
Some claims involve multiple properties. If it is determined that one of the properties is responsible for causing the damage, then that owner/leaseholder will be liable for the policy excess as well as for the costs involved to stop the issue causing the problem. The associated remedial work costs for the damage will be covered by the insurance.
The Claims Process
- The owner/leaseholder needs to complete the insurance claim form below, providing a detailed description of the incident and dated good-quality photos of the damage. The incident must be notified within a reasonable timeframe.
- Amber will confirm whether the damage is covered by the insurance policy and if so, initiate an insurance claim with the insurer on your behalf.
- The owner/leaseholder will arrange the works to be carried out with the contractor. Remedial works should not be carried out without the insurer’s prior consent as the cost may not be covered.
- The contractor’s invoice is to be submitted to Amber who will arrange payment.
- In certain circumstances, the owner/leaseholder will be required to pay the insurance excess.
*This process is for estates where buildings insurance is part of the service charge and arranged by Amber. If the Freeholder invoices you directly for the insurance, please contact them to make a claim.