ROCI / GUIDES
Home insurance claims, without the runaround.
Plain-English guides to the hard parts of a claim: rejections, complaints, the Financial Ombudsman, loss adjusters and settlement offers. Written for policyholders, not insurers.
01 / REJECTED CLAIMS
3 GUIDES
01Does a rejected claim count as a claim?What the CUE database records when a home insurance claim is rejected, what you must declare at renewal and how to check and correct your record.UPDATED 08/07/2026READ02Home insurance claim rejected? What to do nextWhy UK home insurance claims get rejected, the evidence that overturns each rejection reason and how to escalate to a complaint and the ombudsman.UPDATED 08/07/2026READ03Wear and tear: how to fight the most common rejectionHow the Financial Ombudsman's three-question storm test works, the evidence that beats a wear and tear rejection and who has to prove what.UPDATED 08/07/2026READ
02 / COMPLAINTS / FOS
3 GUIDES
01How to complain to your insurer (and get a final response)How to make a formal complaint to or about your home insurer: the 8-week rule, what to include, and how to get the final response letter the ombudsman needs.UPDATED 08/07/2026READ02Taking your home insurance complaint to the ombudsmanWhen and how to take a home insurance complaint to the Financial Ombudsman Service: deadlines, the process, what it can award and why it costs nothing.UPDATED 08/07/2026READ03What are your chances? Ombudsman uphold rates explainedHow often home insurance complaints succeed at the Financial Ombudsman Service: uphold rates by complaint type, and what the numbers mean for your case.UPDATED 08/07/2026READ
03 / LOSS ADJUSTING
3 GUIDES
01Do you need a loss assessor, or can you do it yourself?What a loss assessor costs, what they actually do for the fee, when they earn it and how to run a well-evidenced home insurance claim yourself.UPDATED 08/07/2026READ02Loss adjuster vs loss assessor: who's on your side?The difference between a loss adjuster and a loss assessor, who pays each of them, what assessors cost and what it means for your home insurance claim.UPDATED 08/07/2026READ03The loss adjuster's visit: what to expect and how to prepareWhat a loss adjuster looks for during a home visit, the questions they ask, what to have ready and how to get a copy of their report afterwards.UPDATED 08/07/2026READ
04 / SETTLEMENT
3 GUIDES
01Cash settlement or repair: know before you acceptCash settlement or repair after a home insurance claim? The rule on what cash must cover, betterment, matching sets and the questions to ask before you accept.UPDATED 08/07/2026READ02Insurance claim taking too long? Your rights on delaysHome insurance claim dragging on? Your rights under ICOBS, the Insurance Act and Consumer Duty, the compensation you can claim and how to escalate delays.UPDATED 08/07/2026READ03Insurance settlement offer too low? How to challenge itWhat to do when your home insurance offer is too low: get the breakdown, quote it line by line, negotiate in writing and escalate if they will not move.UPDATED 08/07/2026READ
05 / GETTING STARTED
3 GUIDES
01How to describe your claimWhat a useful claim description contains: what happened, when, what was damaged and how. A simple structure so your claim can be understood and assessed.UPDATED 16/07/2026READ02Is this the right policy for your claim?How to tell whether a policy can answer your claim. Why the line of business has to match, what a mismatch looks like and which document to look for instead.UPDATED 16/07/2026READ03Where to find your policy documentCan't find your insurance policy? Where it usually lives: the email you were sent, your broker and the insurer's online account, plus what to look for.UPDATED 16/07/2026READ