Property Insurance Claims Specialists You Can Trust
When disaster strikes, handling a home insurance claim or property insurance claim can feel overwhelming. That’s where All Property Claims steps in. We specialise in insurance claims management, helping homeowners, landlords, and businesses across the UK secure fair settlements and full reinstatement after property damage.
As an FCA-regulated insurance claims management company, we handle the entire claims process on your behalf – from damage assessment and policy interpretation to negotiation with insurers and completing approved reinstatement works. By managing every stage, our experienced loss assessors and insurance surveyors ensure your property is restored to its pre-loss condition.
Residential and Commercial Property Claims Management
All Property Claims provides a complete, end-to-end property claims management service for homeowners, landlords, and commercial property owners. Whether you’re dealing with a single home insurance claim or a complex commercial loss, we deliver clear communication, expert negotiation, and proactive project management from start to finish.
We regularly support a wide range of commercial clients, including shops, offices, salons, laundries, and care homes. We understand that downtime impacts revenue, staff, and customer experience. That’s why our commercial property insurance claims service focuses on minimising disruption and restoring damaged premises quickly and professionally.
This combined residential and commercial expertise ensures every policyholder receives fair treatment, expert guidance, and a smooth insurance claims experience.
Proven Results You Can Rely On
Behind every statistic is a property owner who achieved a fair outcome. We’re available 24/7 to ensure you never face insurers alone, and our structured insurance claims management process consistently delivers results you can trust.
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Claims Approved
Claims Settled
Years Experience
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Types of Property Claims We Manage
Every property insurance claim is different, but our experience covers all major categories of insured damage. Below are the most common types of claims our loss assessors and insurance surveyors manage across the UK.
Fire Damage Claims
Fire damage can affect both the structure and contents of a property. We manage fire damage claims by assessing structural issues, rebuilding affected areas, and replacing damaged materials. Common causes include electrical faults, kitchen fires, and unattended candles, often resulting in charred walls, weakened roofs, and destroyed fixtures.
Smoke Damage Claims
Smoke and soot frequently spread beyond the fire’s origin, contaminating walls, ceilings, soft furnishings, and ventilation systems. Our team handles specialist cleaning, deodorisation, and restoration, ensuring all smoke-affected areas are fully documented and included in your home insurance claim.
Flood Damage Claims
Flooding caused by heavy rainfall, surface water, or rising groundwater can severely damage properties. We manage emergency drying, dehumidification, and structural repairs, while ensuring your property insurance claim accurately reflects the full scope of damage and reinstatement costs.
Escape of Water Claims
One of the most common home insurance claims, escape of water typically results from burst pipes, leaking appliances, or faulty plumbing. Our insurance assessors manage both the repair works and insurer negotiations, ensuring the full cost of drying, repairs, and reinstatement is covered.
Storm Damage Claims
Storms and high winds often cause roof damage, broken tiles, gutter failure, and water ingress. We arrange emergency make-safe works, document storm-related damage, and manage repairs to ensure your property is protected and fully reinstated as part of your property insurance claim.
Impact & Malicious Damage Claims
Impact damage from vehicle collisions or malicious acts such as vandalism can leave properties unsafe or exposed. We coordinate emergency repairs, structural restoration, and detailed evidence gathering to support your insurance claim and ensure nothing is overlooked.
Our Proven Home Insurance Claims Process
At All Property Claims, we keep things simple. Our home insurance claims process means you’re always informed and in control.
1. Assess
An experienced insurance surveyor carries out a professional inspection of the damage, gathering detailed evidence including photographs, measurements, and repair costs. This ensures your property claim is accurately documented from day one.
2. Negotiate
We liaise directly with insurers and their appointed insurance assessors to secure a fair settlement. As an independent, FCA-regulated loss assessor, we act solely in your interests and continue beyond negotiation to oversee all approved repair works.
3. Restore
Where required, our accredited drying technicians begin drying immediately to prevent further damage. Once the claim is agreed, reinstatement and repair works are completed to a high professional standard. We invoice insurers directly, so you’re not left out of pocket.
Why Choose All Property Claims?
Choosing All Property Claims means working with experienced property insurance claims specialists who combine technical expertise with full accountability.
Here’s why clients trust us:
FCA-Regulated & Independent
We act solely in your best interests, not the insurer’s.
End-to-End Service
We handle both the negotiation and the repair work.
Fair Outcomes
We never settle claims prematurely or leave clients with unfinished work.
Experienced Team
Our professionals manage claims nationwide, from minor leaks to major fire damage.
Proven Track Record
Our 5-star reviews reflect our focus on communication, fairness, and quality workmanship.
Why Insurance Claims Have Become Harder - What Every Homeowner Needs to Know
In 2025, consumer champion Which? took the rare step of filing a formal super-complaint to the Financial Conduct Authority (FCA), calling out serious, ongoing problems in home and travel insurance – from delayed payouts to unfairly rejected claims.
What Which? Found:
- Claims being delayed for months
- Cash offers that don’t cover full reinstatement
- Stressful disputes over wording and liability…. read more
Our Team
Our people are at the heart of everything we do. From the very start, you’ll be supported by a dedicated surveyor who coordinates damage assessment, meets with the insurer’s loss adjuster, and oversees approved repairs through our trusted contractor network.
You’ll also have a dedicated claims manager who liaises with your insurer to present your claim, agree approved works, and ensure a fair outcome and a smooth, stress-free process from start to finish.
Tanbir Sidhu
Head of Business Development
Ben Smee
Head of Claims
Matthew Farthing
Claims Manager
Partner With Us
We also collaborate with:
Insurance brokers
Property managers
Emergency repair companies and contractors
By partnering with All Property Claims, you can provide your clients with a regulated, full-service claims solution and earn commission on approved works. Our partnership programme ensures seamless communication, timely updates, and fair payments.
Customer Testimonials
Lara - October 2025
★★★★★
All Property Claims is unlike any other company I’ve used before. Their support is second to none, especially when dealing with insurance issues. I’ve never regretted using them; they’ve been absolutely invaluable. Their tradespeople are professional, efficient, and complete work...
Eloise - September 2025
★★★★★
I can’t thank All Property Claims enough for their outstanding service. After experiencing a devastating flood, they guided me seamlessly from the chaos to resolution. Their expertise, dedication, and support made all the difference in restoring normalcy. Highly recommend!
Matteo B - April 2025
★★★★★
Allpropertyclaims was instrumental in ensuring the damage from a leak was properly assessed, investigated and repaired. They were really supportive throughout the lengthy process of dealing with the insurance, and took the lead in dealing with a particularly challenging...
Frequently Asked Questions
We know insurance claims can feel overwhelming, especially if it’s your first time dealing with one. That’s why we’ve put together this FAQ section - to answer common questions, explain the process in plain English, and show how our expertise makes the journey smoother and less stressful for you.
What are the different types of property insurance claims?
Building claims vary from those involving natural factors such as heavy rain and storm to one off events such as fire, burst pipes and leaks. All Property Claims is an FCA-regulated company that delivers a comprehensive service and can negotiate all types of property damage claims with your insurer to get the best possible outcome for you.
What is an Insured Peril?
An insured peril is a specific, unpredictable event that is covered by an insurance policy. For example a leak from a pipe qualifies as an insured peril, however maintenance related issues such as a failed sealant or grouting around shower trays and baths would not qualify.
Can anyone make a property damage claim?
So long as you own the property and have buildings insurance cover, you are entitled to make a claim. The claim will only be considered by your insurer if it is a valid Insured Peril. If you appoint us for your claim, we will assess whether or not you have an insured peril in operation and then act on your behalf to negotiate and ensure the best outcome for you.
Is it worth claiming for home insurance?
Yes, if the damage is real, it’s absolutely worth claiming. This is the reason you have paid premium to insure your most valuable asset. Many homeowners miss out on thousands by not understanding their policy cover or assuming that they are not entitled to make a claim.
What is the most common home insurance claim?
Water damage is the most common home insurance claim - often caused by leaks, burst pipes, or storms. Fire claims can also result in a lot of water damage from when the fire brigade uses water to douse the flames. Water damage can escalate quickly and cost far more than expected, especially if moisture is trapped under floor coverings or behind walls.
How does a house insurance claim work?
We assess the damage and submit the claim to your insurer along with supporting evidence (photos, reports). Then we meet the insurance company’s representative to discuss and agree the scope of repairs needed to restore your property. Once the claim is agreed we carry out all the approved repairs and send the invoice to your insurer.
How to get the most out of a home insurance claim?
Insurers make money by collecting premiums- not by paying claims. When you have a claim, they will invariably appoint a loss adjuster to act for them. To get the best outcome, we advise you to get a FCA regulated claims expert such as ourselves to act on your behalf. We are able to review your policy documents and negotiate technically to ensure a fair outcome for you.
What is an Excess?
An excess is the amount you agree to pay towards a claim before your insurer covers the rest. This is agreed as part of your insurance policy. For example, if your excess is £200 and the damage costs £1,000 to repair, the insurer pays £800.
What does a loss adjuster do?
A loss adjuster acts for your insurer – not for you. They are paid a fee by the insurer to investigate your claim by assessing the damage, checking the policy details, and recommending how much the insurer should pay based on their findings. The clue to their role is literally in their title – they “adjust” the loss for the insurer and in doing so aim to minimise the claim settlement.
Under what circumstances will the insurer refuse to cover me or repudiate my claim for property damage?
Insurers can refuse or repudiate a claim if the loss doesn’t meet the policy conditions. Common reasons include: wear and tear, lack of maintenance, excluded events such as certain types of flooding or subsidence, incorrect or missing information when taking out the policy or when claiming, unoccupied property beyond the allowed period, deliberate or fraudulent damage.
What if I have water damage but my plumber can’t find where the leak is coming from?
If a regular plumber can’t find the leak you need a specialist leak detection engineer who will locate the leak using equipment such as thermal cameras and gas tracing. Sadly until the leak is located and proven to be an insured peril, your insurer will not proceed with your claim for water damage repairs. We have a division called Leak Tracers Direct who can connect you with a specialist leak detection engineer to find your leak. After the leak is located we will also negotiate with your insurer to recover the cost of tracing and accessing the leak.
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Ready to Start Your Claim?
Whether it’s a burst pipe, a kitchen fire, or a damaged roof after a storm, All Property Claims can help. The team’s mission is simple: to make insurance claims straightforward and stress-free for property owners.
Contact the experienced team today or use the online form to start your claim. Let All Property Claims handle your property insurance claim from start to finish, so you can focus on getting life back to normal.