When we use the word ‘buildings’, we mean the structure of your home, this will include any rendering or aesthetic finish on your home. Your buildings are covered for numerous events that may occur.

It is important to check your policy booklet before reporting any claim, for more information on what is and is not covered. Your policy documents will also tell you what cover you have selected and what excess will apply, depending on the type of claim you wish to make.

Wear and tear is a common reason that claims are declined especially in a weather event like a storm. There will also be exclusions for each type of peril, so please refer to your home insurance policy booklet in your online account, for full details of your cover.

After they have assessed the damage, a decision will be made by the supplier as to whether they think the damage to your property was caused by a one-off accident or by something else, such as general wear and tear.

If you’re ready to make a claim, visit online claims.

Manage a home insurance claim