TIM GUNN LAWYERS IS AN INSURANCE LAW FIRM BASED IN MATAKANA, AUCKLAND

We specialise in Property Damage Insurance Claims where the insurance company has wrongly declined your claim.

Flooding and Property Damage Insurance Claims- Claims Tips and Advice

If you are having issues with your insurance claim following flooding or adverse weather events here are our tips:

Understand your policy- Look at what is covered or excluded under your policy. If you don’t understand the jargon, ask the insurer to explain what it means.

Understand the damage- You must undertake your own independent assessment of the damage (Step One) and what is required to restore your property to its pre-damage condition (Step Two).

It is important not to confuse Step One and Two. They are different but related questions.

The policy owner should be engaging engineers, builders or quantity surveyors to comment and advise what you need to do.

Understand the numbers- If your insurance company is offering you a payout, you need to understand and test the figures they rely on. This means getting your own independent assessment of the amounts offered. Ensure you get a builder or quantity surveyor to comment and advise what it will cost to do the remedial work for your property.

Double-check the numbers- Many homeowners experience that the amounts offered by insurers to repair your damaged property are not enough to repair or replace your damaged property.

If you have an issue with any Property Damage Insurance Claims contact us to discuss your claim. We help you review and understand your insurance contract and advise you on the best way to maximise your entitlements under your insurance policy.

Please contact us today to discuss your insurance dispute.