FAQ’s For Property Damage Repairs and Home Insurance Claims

  • I have submitted my claim to my insurer – is it too late for IC Assist to help me?

    No, we can help you at any stage of your claim, although it would be easier for you if we are instructed to manage your claim right from the outset. Once you have logged your claim with your insurer, you don’t need to do anything else – just leave it all to us!

  • My insurer asked me to get several quotes – do I really need to do this?

    No, most insurers don’t request several quotes after receiving ours. This is because our quotes are very detailed with precise measurements and include high quality pictures of the damage. If however, your insurer requests additional quotes, we can arrange this for you.

  • Why is my insurer asking me to get several quotes?

    To save money – insurers make you do all the running around to get several quotes, just so they can choose the cheapest one!

  • Do you provide a FREE quote for insurance repairs?

    No, we don’t just provide a FREE quote. However, if you would like us to manage your entire claim including completing all the repairs, we provide a survey and quote as part of our FREE claims management service. You can find out more by clicking our insurance repair quotes page.

  • Why don’t you provide just a FREE insurance repair quote?

    We only provide quotes for customers who want us to manage their entire claim (including carrying out all the repairs). This is because our surveys and quotes are very detailed and it can take several hours to survey the damage and produce a detailed schedule of works.

  • Why should I choose IC Assist to help me with my claim instead of a builder?

    Most builders will only be able to provide you with a quote for the repairs. However as Ic Assist specilaise in insurance claims, we will ensure your property is repaired in line with the terms of your insurance policy. This is something a normal builder is not usually able to do.


  • If your service is FREE, why do I need to pay my policy excess?

    When insurers settle a claim, they deduct your policy excess (if you have one) from the payment they issue to settle the claim – which is standard practice with insurance policies. As a result, you will be required to pay your policy excess on satisfactory completion of the repairs.

  • What can IC Assist do with my claim that I can’t?

    We will carefully check your policy wording to ensure nothing gets missed – we are very thorough and look for damage hidden beneath the surface. Also, where necessary we can instruct; structural surveyors, party wall surveyors and asbestos sampling, testing and removal firms.

  • Is there a catch? How are you able to offer a completely FREE service?

    No, there isn’t a catch. We do not charge you or your insurer for our claims management service, provided we manage your claim through to completion of the repairs. We work just like any other builder – we make our profit on the contractors we instruct to carry out the repairs.


  • Why do I need IC Assist – won’t my insurance company help me with my claim?

    Insurers and Loss Adjusters main concern is to limit their liability and settle claims for the lowest possible amount. We on the other hand, care about you and will ensure that our quote details all the necessary costs of repairing your property, ensuring you get all the repairs you are entitled to.

  • What will your Claims Manager do for me?

    You dedicated Claims Manger will be your one point of contact and will keep you updated throughout your claim. He will meet and liaise with your insurer/Loss Adjuster to agree all the necessary reapirs and once your claims is authrised will instruct our contractors and oversee all repairs through to completion.

  • What is the difference between IC Assist & the Loss Adjuster working for my insurer?

    We care about you and work for you – not your insurer. We protect your interests and will ensure the damage is thoroughly assessed by professionals and will instruct experienced contractors to restore your property to it’s former condition.

  • What is a Loss Assessor & why do insurance companies appoint them?

    Normally insurers appoint Loss adjusters on claims over £1,000 and will normally conduct a site visit to; assess the damage, validate your claim and achieve the lowest possible settlement for your insurer.

  • How long will it take to process my claim?

    This is dictated by your insurer/Loss Adjuster, as it depends on the volume of claims they are dealing with and how efficiently they process your claim. Most insurers take 7-10 days to acknowledge our quote, but as we are keen to get your property repaired as quickly as possible, we will chase your insurer regularly to progress your claim so that repairs can be started promptly.



  • My property has water damage – do you offer a property drying service?

    Yes, we have drying equipment to hand and can install it during our initial survey of the damage. This will help you fulfil your obligation to mitigate your claim and prevent secondary damage to your property and will also allow repairs to start sooner.

  • My insurer is offering me a cash settlement – should I take it or can I decline their offer?

    You should consider your options carefully as their liability ends once you accept their offer. Make sure the settlement covers all repair costs and where necessary specialist fees such as; party wall/structural surveyors and asbestos sampling/testing/removal (as these are quite costly).

  • I have a question that is not answered here – what should I do?

    If you have any other questions that are not answered here, please do not hesitate to get in contact with us on 02921 660 190 and our Claims Manager will call you back to discuss any queries you have.

  • Can you assist me with my claim if I’m based outside of your area?

    Yes, we can provide assistance across the UK including; Edinburgh, London, Bristol, Birmingham, Liverpool, Manchester, Bradford, Sheffield, Leeds, Newcastle and surrounding areas. So just give us a call on 0800 4337 290 to see how we can help.