What You’ll Need to Make a Home & Contents Insurance Claim — With Help From Your Broker

If something unexpected happens — like a storm, theft, or accidental damage to your home — submitting a home and contents insurance claim may feel overwhelming. But that’s exactly what your insurance is there for.

As your broker, our role is to make the process as simple and stress-free as possible, and to support you from start to finish. Here’s a helpful guide to what you’ll need to provide so we can lodge your claim with the insurer efficiently on your behalf.

1. A Brief Summary of What Happened

Start by telling us:

• What occurred (e.g., storm damage, leak, fire, theft)

• Where it happened (living room, roof, garden, etc.)

• The date and time of the event

• Any relevant details, like other people involved, or whether emergency services attended

Example: On 14 May around 6:00pm, a tree fell during the storm and cracked the rear section of the roof. Water leaked into the ceiling overnight.

2. Photos or Video of the Damage

Photos are incredibly helpful for the insurer’s assessment. Please send through:

• Clear images of the damage or affected areas

• Wide shots showing context (e.g., a broken fence or flooded room)

• Any “before” photos you might have (not essential, but helpful if available)

3. List of Damaged or Lost Items (for Contents Claims)

If belongings inside your home have been damaged or stolen, we’ll need:

• A list of the items

• Approximate replacement value (if known)

• Any proof of ownership available:

  • Receipts or tax invoices

  • Photographs

  • User manuals or warranty documents

  • Serial numbers (where applicable)

Don’t worry if you don’t have receipts for everything — we’ll help you put together what we can.

4. Repair or Replacement Quotes (If You Have Them)

If you’ve already contacted a trade or supplier to assess or quote for damage, feel free to send us their quote. If not, that’s okay — many insurers have their own preferred repairers and will arrange this after your claim is submitted.

5. Police Report Details (If Applicable)

If the claim involves theft, malicious damage, or vandalism, please provide:

• The police report or event number

• The date the incident was reported

• The police station details

This is a standard requirement for these types of claims, and some insurers won’t proceed without it.

Our Role As Your Broker

Once we have the information above, we’ll:

• Lodge the claim for you

• Liaise directly with the insurer and their assessors

• Keep you updated throughout the process

• Support you in reviewing any offers, settlement amounts, or disputes

You won’t be left to deal with call centres or chase paperwork on your own — that’s our job.

Need to Start a Claim?

If something’s happened and you’re not sure where to begin, just get in touch. Whether you have all the info or only part of it, we can guide you through each step.

 Contact us today and we’ll get your claim underway without the stress.