Making a property claim

Step 1

Check your carefully to make sure that you are insured.  You should refer to your policy document, policy information document and your policy schedule.

If you are not sure, call SJL's claims team on 01905 27775. They will be able to help you understand your cover and how to submit a claim.

Step 2

Call the number above as soon as possible to report the loss or damage. 

They will tell You what You need to do next.

When you call, please have the following information to hand:

• Policy number

• Home postcode

• Nature of problem

If You are a victim of theft, malicious damage, vandalism or something is damaged away from the
home, tell the police or issuing authority first and request an incident number.

If You have had to pay a tradesman to make urgent repairs necessary to prevent further loss or
damage You should ask for and keep hold of any receipts they give You.

Do not

• Admit fault if you or your family are being held responsible for injury or damage

• Pay, offer or agree to pay any amount or admit responsibility without getting permission from your insurer

• Carry out any permanent repairs or dispose of any damaged items until your insurer has been given the  opportunity to inspect the damage.

If you receive any documentation regarding a claim such as letters or receipts please send them to your insurer unanswered and without delay to the address in your Policy Schedule.

What else might your insurer ask for?

To help your insurer handle your claim as quickly as possible they may:

• Ask you to take steps to recover any property which has been lost

• Ask you to send to them all the documents and information (including written
  estimates and proof of value or ownership) they may require

• Enter any building where loss or damage has happened

There may be other things the insurer will ask you to do, but don’t worry, they will help you every step of the way.