Tips When Making a Park Home Insurance Claim

When making a park home insurance claim you may need some tips to make it less of a daunting process, especially when it involves potentially distressing circumstances. To help navigate your claim, here are some essential tips we hope may help you.

  1. Understand Your Policy

Before you even need to make a claim, you may benefit from making sure to thoroughly understand your insurance policy. Familiarise yourself with what is covered and any exclusions that might apply. We recommend reading through your policy documents carefully and contacting us should you have any questions. This can help to avoid confusion or mistakes further down the line.

  1. Document Everything

In the unfortunate event of damage or loss, documentation is key. Take detailed photographs and make notes of the damage as soon as it occurs. This will provide clear evidence to support your claim. Keep records of any correspondence with us, including emails and letters, as these will be useful if there are any disputes.

You should also be aware that documenting maintenance jobs and any changes you make to your park home as you go along, may also help with your claim.

  1. Notify Us Promptly

Timing is critical when making an insurance claim. Notify us as soon as possible after the incident. Most insurance policies have a time limit within which you must report a claim, and failing to do so could result in a denial. Should you need to make a claim, please contact our dedicated claims team at Davies Group on 0344 856 3810. This is a dedicated claims line and is manned 24 hours a day, 7 days a week, 365 days a year. Alternatively, we have our own team of dedicated claims coordinators. You can contact our Claims Coordinators on 01604 386 200 during our normal office hours on Monday through to Friday, or email claims@assistinsurance.co.uk. 

We are also keen to move things along as quickly as possible when you make a claim. Sometimes we may appoint a loss adjuster to assess the claim and who will communicate with you until completion of the claim. Sometimes though, it can be quicker to use our state-of-the-art video technology to assess your claim. Should you opt for this alternative, our team will help you through the process step-by-step.

  1. Provide Accurate Information

When reporting the incident, provide as much detail as possible. Accurate and comprehensive information helps us assess the claim more efficiently. It is important to be honest about the circumstances of the loss or damage. Misleading information can lead to complications or denial of the claim.

  1. Secure Your Property

After an incident, take immediate steps to prevent further damage. This might include temporary repairs to secure your home. Reasonable measures should be taken to protect your property, but significant repairs should be left until after we have been notified and given approval. If in doubt, one phone call to us can help clear up any confusion.

  1. Keep Receipts and Invoices

For any temporary repairs or emergency services, keep all receipts and invoices. These documents can be submitted as part of your claim to ensure you are reimbursed for these expenses. It’s important to keep a detailed record of any costs incurred as a direct result of the damage.

  1. Work with Approved Contractors

If repairs are necessary, you may want to use contractors approved by us, where possible. Park Home Assist has a network of trusted professionals who are familiar with the specific requirements of park home repairs. Using these contractors can streamline the approval process and ensure the highest quality work.

  1. Communicate Regularly

Stay in regular contact with your insurer throughout the claims process. Regular updates will keep you informed of the progress and any additional information needed. At Park Home Assist we emphasise the importance of good communication to resolve any issues promptly and efficiently.

  1. Understand the Settlement Process

Once your claim is approved, understand how the settlement will be made. You may prefer an offer of a cash settlement, or you may opt to directly pay for repairs or replacements. Knowing how this process works will help you manage your expectations and plan accordingly.

  1. Seek Assistance if Needed

If you encounter difficulties or disputes during the claims process, don’t hesitate to seek assistance. At Park Home Assist, we provide support from our experienced, award-winning claims team, to help you navigate your claim. Independent advice from the insurance ombudsmen or legal experts can also be valuable if needed.

By thinking about these tips, we hope you can ensure a smoother and more efficient claims process, helping to restore your park home to its former glory as quickly as possible.

This is a marketing article from multi-award-winning Park Home Assist.

Please note that all insurance cover is subject to acceptance of terms and conditions.

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Published – 16/08/24