Claims - household

Household

Household Claims

While we all hope we’ll never have to claim on our home insurance, it’s at precisely that moment you’ll appreciate the extensive cover you’ve got in place.

Rest assured that in the event of any claim, you also have the support of a dedicated claims team.  Lark is here to help get you back in the same position you were in before the loss - as quickly and competently as possible.

Should you need to make a claim, Divisional Director of Private Client Claims, Dean Wright, talks you through the process:

“Claims are dealt with in two different ways. Some claims can be settled by us, as we are given delegated authority to do so by the insurer. However, others have to be paid out by the insurer themselves”.

“In either case though – get in touch with us directly. Even when the settlement can only be made by the insurer, we will represent your case and deal with the insurer and any loss adjusters on your behalf.”

To initiate a claim, complete the form below and /or contact a member of Lark’s Claims Team at the first opportunity. Insurers require full details of your claim within a reasonable time.

To submit a Claim you can:

“If you’re claiming for damage, you will be asked for an estimate to repair or replace your damaged property” explains Dean.

“We may be able to provide you with immediate authorisation to proceed with work, or replace items, depending on the circumstances of your claim. However, you should not proceed with replacing or repairing an item until we have confirmed the authorisation to do so – unless temporary repairs are needed urgently to prevent further damage”.

“In this case, keep the invoices or receipts as they will form part of your claim.”

“If your claim involves theft, burglary or lost items this must be reported to the Police, and a crime reference number obtained.”

Our office hours are Monday to Friday 9:00am to 5:00pm. Outside this time, your call will automatically redirect to a duty adviser who will provide you with the help you need there and then.