Landlord Insurance Claims
When a rental property is damaged by fire, flood or escape of water, landlords face a particular set of challenges that owner occupiers do not, including lost rental income, tenant safety and welfare, and coordinating access to a property that is someone else’s home. UK Property Claims manages landlord insurance claims across the UK, so you can protect your investment and your tenants while we handle the claim. We work for you, not the insurer.
Landlord Insurance Claims: Expert Support for Rental Properties
Landlord insurance policies often differ from standard homeowner policies, including provisions such as loss of rent cover, alternative accommodation for tenants, and liability considerations that need to be properly understood and applied to your claim. Whether you own a single rental property or a larger portfolio, getting these details right can make a significant difference to your settlement.
Common Causes of Landlord Insurance Claims
- Escape of water and burst pipes, particularly in properties without an owner occupier present to spot early warning signs
- Fire damage, including smoke and soot contamination
- Flood damage from heavy rainfall or nearby watercourses
- Faulty appliances or heating systems within the rental property
- Damage caused or reported by tenants that needs to be properly assessed and evidenced
What Can Property Damage Affect for Landlords?
- Rental income during any period the property cannot be let
- Tenant safety and wellbeing, and your obligations as a landlord
- The condition and value of the property itself
- Fixtures, fittings and any furnishings provided as part of the tenancy
- Relationships with letting agents and tenants throughout the claims process
How UK Property Claims Can Help
Every claim we manage follows the same structured process, so you always know what is happening and why.
What Our Landlord Claims Service Includes
- A full inspection and assessment of damage to your rental property
- Review of your landlord insurance policy to identify the cover available, including loss of rent where applicable
- Preparation of a complete, well-evidenced claim submission
- Direct communication and negotiation with your insurer throughout the claim
- Liaison with tenants and letting agents where required, to keep the process moving with minimal disruption
- Coordination of restoration and reinstatement works so the property can be re-let as quickly as possible
First Steps After the Damage
- Ensure your tenants are safe and, where necessary, arrange alternative accommodation
- Photograph and video the damage as soon as it is safe to do so
- Keep records of any communication with your tenants about the damage and any resulting disruption
- Avoid agreeing repair costs or accepting a settlement offer before the full extent of the damage has been assessed
- Notify your insurer promptly, as delays can affect the outcome of your claim
Why Landlord Claims Need Expert Handling
- Landlord policies can include specific provisions, such as loss of rent cover, that need to be correctly identified and claimed for
- Tenants need to be kept informed and, where necessary, supported through alternative accommodation arrangements
- Every day a property remains unlettable has a direct financial impact on a landlord
- Coordinating access, repairs and tenant communication alongside an insurance claim can be time consuming without dedicated support
- Portfolio landlords managing multiple properties benefit from a single point of contact managing each claim consistently
Start Your Landlord Insurance Claim
Tell us about the damage to your rental property and our team will contact you to discuss your claim, available cover and any impact on your tenants or rental income.
Our Service Options
We offer three levels of support, depending on how much of the process you would like us to manage.
We Deal Directly With Your Insurer
Once appointed, we manage all communication with your insurer, including responding to queries, providing further evidence where requested and challenging any settlement offer that does not reflect the full extent of the damage or the impact on your rental income.
Rated Excellent by Property Owners Across the UK
Read our most recent reviews
UK Property Claims Reviews
Landlord Insurance Claims FAQs
Can landlords make an insurance claim on a rental property?
Yes. Landlords can usually claim for damage affecting insured rental properties. Depending on the policy, cover may extend to buildings, fixtures, fittings and certain loss related costs arising from the incident.
Does landlord insurance cover loss of rent?
Many landlord insurance policies include cover for loss of rental income while a property is unfit to let following an insured event, though this depends on the specific policy. We can help review your policy to confirm what is included.
What happens if my tenants need to move out during repairs?
If the property becomes unsafe or unfit to live in, your policy may provide cover for alternative accommodation costs for your tenants, depending on the terms of your policy. We can help identify and include this within your claim.
Do you manage claims for portfolio landlords with multiple properties?
Yes. We support landlords with single properties as well as larger portfolios, providing consistent claim management across multiple properties where needed.
Can I claim if the damage was reported by my tenant rather than discovered by me?
Yes. Damage reported by a tenant can be included in a claim in the same way as damage you discover yourself, provided it is properly assessed and evidenced.
Will you communicate with my tenants directly?
Where helpful, we can liaise with tenants or letting agents as part of managing the claim, keeping the process moving while you remain informed throughout.
How quickly can a rental property be restored after damage?
Timescales depend on the extent of the damage, but managing the claim professionally from the outset, including prompt notification to your insurer, helps avoid unnecessary delays in getting the property back to a lettable condition.
Do I need a loss assessor as a landlord?
A loss assessor works for you rather than your insurer, which can be particularly valuable for landlords managing loss of rent, tenant welfare and property reinstatement at the same time as running a rental business.
Get Help With Your Landlord Insurance Claim
If your rental property has been damaged by fire, flood or water, contact UK Property Claims today. Call us on 0800 121 4452, or get in touch online to arrange a free claim assessment.