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Which documents does your claim need?

Pick what happened. The list shows what insurers ask for on every claim, then what this kind of loss adds.

What happened?

For every claim

  • Completed and signed claim form
  • Copy of your policy schedule
  • Policy number, date of loss and a short description of what happened
  • Photos or short videos of the damage
  • Proof of ownership and value: receipts, invoices, valuations or photos
  • An estimate of the loss, or two repair estimates where repairs are not urgent

Theft or break-in

  • Police report, identifying the items lost or damaged
  • Evidence of forced entry or exit, such as photos of the door, window or lock
  • For stolen bank or credit cards: a report to the card issuer within 24 hours of finding out
  • Valuations or photos of stolen valuables

Leak or burst pipe

  • Photos of the source of the leak and the damage, before repairs
  • The damaged pipe, tank or part, kept for the insurer to inspect
  • Receipts for emergency repairs to stop further damage
  • If you rent in Dubai: your written request to the landlord to repair the home. The landlord repairs unless your lease says otherwise.

Rain, storm or flood

  • Photos or short videos of the water damage
  • Receipts for emergency work to stop further damage
  • If you rent in Dubai: your written request to the landlord to repair the home. The landlord repairs unless your lease says otherwise.

Fire or smoke

  • Receipts for emergency work to make the home safe
  • Damaged items kept until the insurer has seen them

Something broken by accident

  • Photographs or reports showing the damage was sudden and accidental
  • The damaged item, kept for the insurer to inspect

Someone claims against you

  • Every letter, claim or court paper you received, sent to the insurer unanswered
  • Your written account of what happened. Do not admit or agree anything with the other side.

The steps in order, and the deadlines in the law, are in how to make a home insurance claim. Your insurer may ask for more.

Sources

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