Burst pipes, blocked drains, failed heating systems, interrupted gas or electricity supply, lost house keys – scenarios which cause a headache for any home owner.
Home Emergency is a subsection of cover provided by most mid- to high net worth policies and will cover the cost of labour from a designated reputable contractor, parts and materials for emergency repairs at your home to help in your time of need.
There is a 24-hour helpline which you can call to get advice and ensure your claim is covered. If the claim is covered the claims handler will immediately arrange for a reputable contractor to get to your property to carry out the emergency repairs. This may be of a temporary nature to just stop the emergency element. By leaving it to your claims handler, they have a network of contractors who are readily available, which will save you time and keep the claim to a minimum.
The cover is not subject to an excess but only provides cover up to a set limit which varies from insurer to insurer. This amount is to cover the call out charge along with any labour or parts required to rectify the issue.
If there are any subsequent repairs needed after emergency repairs are undertaken, (such as re-painting or re-decorating works,) then you will need to discuss this with your broker or insurer directly.
Written by: Carolyn Jones, Claims & Compliance Manager , firstname.lastname@example.org