PRACTICAL CLAIM PREPARATION

Water-damage claim checklist

Keep a clear record of the problem, the evidence and the work agreed. This checklist cannot guarantee that an insurer will accept a claim.

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01 / Record what you know

Write down when you first noticed the problem and what you observed. Distinguish the discovery date from any unknown start date.Describe symptoms accurately. If the cause or timing is uncertain, say so; do not guess or change facts to fit insurance wording.Keep a dated record of calls, advice and actions, including any steps taken to limit further damage.

02 / Gather your documents

Find your policy, schedule and claim reference. Check notification requirements, relevant cover and excess with your insurer.Where safe, photograph visible damage and affected areas. Keep original images and notes before and after work.Keep copies of correspondence, estimates, receipts and invoices. Ask your insurer what evidence and approvals they require.

03 / Agree specialist work

Agree the investigation, access, repair and report scope and costs with the independent contractor before booking.If you want claims assistance, arrange a leak-detection report. Findings and invoices must reflect the investigation and work actually carried out.Ask separately about a customer-requested PCLA claims callback. A loss assessor’s water-damage survey is separate from leak detection.

Leak detection and claims support

NI Leak Detection is operated by Property Claims Loss Assessors Limited (PCLA). NI Leak Detection introduces customers to independent contractors; you contract with and pay the contractor directly. NI receives no commission or financial reward.

PCLA claims assistance is a separate, customer-requested service. A leak-detection report is required for claims assistance. Using this checklist does not request a callback or appoint a loss assessor.

Trace and access explained Discuss leak detection

Keep the details accurate

Tell your insurer what you know and provide the supporting records they ask for. If you disagree with a decision, ask for the reasons and the relevant policy wording in writing.

General guidance: making an insurance claim