Impact damage claims
Impact damage insurance claims
Whether a vehicle has hit your property or something has fallen onto it, we deal with the insurers involved and make sure the repairs are fully covered.
- Free assessmentNo obligation, no upfront cost
- No win, no feeWe don't get paid until you do
- Your own loss assessorFrom first call to final settlement
Sudden damage, often more than one insurer
Impact damage is sudden and can be serious. A car or van hitting a wall, a lorry clipping a building or a falling object can damage the structure as well as what you can see.
These claims often involve more than one insurer. Your own policy may pay for the repairs, while the driver's motor insurer may ultimately be responsible, and it isn't always clear who should pay or how quickly.
Our loss assessors take care of it. We make sure the property is made safe, the full extent of the damage is assessed, and the claim is pursued with the right insurer, so you get the repairs you need without being caught in the middle.
How we help with your impact claim
We arrange emergency works and, where needed, temporary support for the structure.
We make sure hidden structural damage is found as well as the visible damage.
We deal with your insurer and, where relevant, the third party's insurer.
Somewhere to stay if your home isn't safe to live in, where your policy covers it.
We appoint and supervise contractors through to completion.
Damage to shops and commercial buildings, and the effect on trading.
Common causes of impact damage
These are the situations we help with most often. Your policy wording decides what's covered.
- VehiclesCars, vans and lorries hitting walls, shop fronts, garages and boundary walls.
- Falling trees and branchesSometimes claimed as storm damage, depending on what caused the fall.
- Falling objectsAerials, satellite dishes and other items falling onto the property.
- Delivery and works vehiclesDamage caused while vehicles are making deliveries or working nearby.
- Damage to neighbouring propertyImpacts that affect more than one building or owner.
- Untraced driversDamage where the driver left the scene and can't be identified.
Common questions
A vehicle hit my house. Whose insurance pays?
Often you can claim on your own buildings insurance, and your insurer may then recover the cost from the driver's motor insurer. Alternatively, the claim can be made directly against the driver's insurer. We help you choose the best route and deal with both.
What if the driver didn't stop?
Report it to the police straight away and get a crime reference number. Many buildings policies still cover impact damage where the driver can't be traced, so it's worth claiming.
Is it safe to stay in the property?
If the impact has damaged the structure, it may not be. Don't take risks: get it checked, and we'll arrange emergency works and alternative accommodation where your policy covers it.
Is a fallen tree impact or storm damage?
It depends on why it fell. A tree brought down in a storm is often claimed as storm damage, while one that fell for another reason may come under impact. The difference can affect your cover, so we make sure it's claimed correctly.
Other ways we can help
Get your first consultation free
Talk to an experienced loss assessor about your claim. No win, no fee.
Lines open Monday to Friday, 9am to 5pm.