Things can seem stressful when something has happened at home and you need to make a home insurance claim as a result. But don’t worry - we’re here to help and guide you along the way. Making a claim on your insurance should be a hassle-free experience and have you feeling like things are being sorted. Here’s how to make a claim on your home insurance policy.
Insuring your home and belongings is broken into two types of home cover: buidlings insurance and contents insurance.
Buildings insurance with AIG covers damage caused by fire, smoke, storm, flood, freezing, escape of water or oil, stealing & malicious damage as standard.
Contents insurance with AIG covers the contents of your home including items such as TVs, kitchen appliances, curtains, clothing and furniture. IE: anything you would take with you if you were to move to a new house.
Contents insurance is based on estimated value of your contents which you provide to the insurance company. Unsure if your contents are fully insured? Consult our handy infographic and make sure your valuable items are insured.
The details of your insurance policy can be found in the policy booklet or you can contact the helpline if you’re unsure what’s included.
Before taking any steps, it is important to consult your insurance policy booklet to see what events you are covered for and how much excess is required to make a claim.
Tip: Excess is the first monetary amount payable by you in the event of a loss - in this case, a home insurance claim.
1. Take photographs of the damage and write down all the details of how and when it occurred
Keep any damaged items after cleaning up in case your insurers want to see them.
2. Call your insurance company’s claims hotline
To make a claim on your AIG home insurance policy you can call our Home Claims Notification Helpline at 01 8599700. You can also email us at email@example.com.
3. Share the details of the claim with the handler
4. Depending on the nature of your claim and its severity, your claims handler will advise you on the next steps
Important: If your claim is regarding broken windows, burst pipes or anything else urgent you should have emergency repairs completed ASAP to prevent any further damage to your home. Contact the 24-hour Emergency Home Assist Helpline at 1850 924 012 and you will be connected to an approved network of repairers such as plumbers, electricians etc. You will be required to pay for the repairs and the cost will be reimbursed if covered under your policy.
Upon registering your claim you will be assigned an adjuster. This adjuster will remain assigned to you for the duration of your claim. They will decide on the type of the claim by either consulting the images you provided or by visiting your home. This will be dependant on the value and severity of the claim.
You may also appoint your own assessor (not covered by AIG) who will work with the AIG adjuster if you wish.
If your property has been lost, stolen or maliciously damaged you need to inform the Gardaí immediately. You will receive a garda report form with your claims form that the Garda will need to fill out to confirm that the matter was reported.
AIG will handle the claims process on your behalf and will request assistance from you when needed. A visit to the property where the event occurred may be needed.
Have more questions about your home insurance policy? We’ve answered some of your top home insurance questions here.
Ensure that your home and contents are fully insured in your time of need. Let AIG look after you. Get an online home insurance quote with AIG for great benefits and discounts.