Claims

How we Settle Buildings Claims

• Our insurers RSA deal with all B&C claims direct

• RSA pay for reasonable costs of repair, agreed fees & related costs.

 

• All buildings repairs carried out by our approved contractors are guaranteed for 12 months.

• Buildings insurance reinstates following a claim.

 

How we settle contents claims – replace or repair?

• If damaged & can be economically repaired we will either arrange the repair or authorise the repair by you and will pay the cost of the repair

• Otherwise we will replace the item with a new one of one of similar quality through OUR preferred suppliers

 

• Or occasionally pay the cost of a new item of similar quality

 

New for Old cover
Weather Related Claims

How good is your insurer?

Frozen pipes Burst:

• Resulting in escape of water and the clients are on holiday
• Covered as long as property not unoccupied for 60 days or more

What if home is uninhabitable?

• We pay for agreed accommodation expenses until home is restored to normal living conditions and costs for pets living with them.

   Claims Examples – UK Hit by floods

• R&SA claims team were amongst the first insurers on the scene
• Less than 24 hours after the floods struck, senior claims managers were in all affected areas 
• R&SA sought to pro-actively identify every one of our customers affected
• Emergency payments were made directly into bank accounts
• RAF Hangers hired to house and dry off affected contents
• Opening hours extended whilst extra staff were drafted in to help with calls

“Had it not been for RSA, I really don’t think my mum would have survived”

•  Aged 85, being rescued by emergency services by boat was an ordeal in itself. But losing her home and virtually all her life’s possessions due to flooding was devastating for one lifelong Cockermouth resident. Until an RSA household claim specialist waded in.
• Recognising the potential shattering consequences a trauma of this scale might bring, RSA adopted the approach of treating this lady as if she were their grandmother. Meeting with family members, also coming to terms with having their property severely flooded, RSA clearly outlined the process and potential timescales.
• Stripping the entire bungalow back to bricks, a necessity since the property had been sat in deep water, usually takes the best part of a year. Realising this wasn’t an option at this stage of this policyholders’ life, RSA pulled in expertise from building project management firm Ellipta. The property is on schedule to be returned to its full glory within six months.