Impact Insurance Claims

Impact insurance claims are submitted to an insurer when a property sustains damage due to a sudden physical collision or forceful contact from an external object. This type of claim is typically made under the buildings section of a property insurance policy and may also be relevant in motor or commercial insurance, depending on the nature of the damage.

Common causes of impact damage include vehicles crashing into buildings, falling trees, collapsed aerials or satellite dishes, and construction equipment striking property. While often unexpected, such events can cause substantial structural or cosmetic damage to walls, roofs, fences, and other parts of a property.

What Do Impact Insurance Claims Typically Cover?

• Structural Damage: Repairs to walls, windows, roofs, or doors that have been hit and damaged by an external force.
• External Fixtures: Replacement or repair of fencing, gates, or outbuildings damaged by the impact.
• Contents Damage: In some cases, if the impact affects the inside of the property, items such as furniture or appliances may be covered under the contents policy.
• Emergency Costs: Fees for temporary repairs or boarding up to make the property safe and secure.
• Legal and Liability Costs: If the impact was caused by a third party (e.g., a driver), the insurer may assist with recovering costs or managing liability claims.

How the Claims Process Works

• Incident Occurs: A physical impact causes damage to the property or possessions.
• Insurer is Notified: The policyholder reports the incident to their insurance provider as soon as possible.
• Evidence Collection: Photographs, witness statements, and police reports (if applicable) are provided to support the claim.
• Inspection and Assessment: The insurer may send a loss adjuster to evaluate the extent of the damage and determine repair costs.
• Repair and Resolution: Once approved, repairs are arranged or reimbursed, and the claim is settled based on the policy terms.

Important Considerations

• Cause of Impact: If the damage was caused by a third party, the insurer may pursue recovery from their insurer.
• Policy Limits and Excess: The payout will be subject to the coverage limits and any applicable excess stated in the policy.
• Prompt Notification: Delays in reporting may affect the success of the claim, so it’s important to act quickly.

Impact insurance claims help ensure that sudden, accidental damage caused by collisions or falling objects is handled swiftly and effectively, minimising disruption and repair costs for the property owner.