When a claim happens, the damage itself is only part of the picture. Insurers often need to understand what happened, when it happened, who was involved, what the property was like before the loss, and what steps were taken afterwards.
That is where good records can help. Photos, invoices, maintenance notes, inspection reports, tenancy records, emails and messages can all help build a clearer picture. They can also reduce delays and make it easier for your broker to advocate for you.
For property claims, take photos as soon as it is safe to do so. For business claims, keep invoices, stock records, equipment lists and evidence of any interruption to trading. For any claim, report the issue early and avoid starting non-urgent repairs before the insurer has agreed, unless immediate action is needed to prevent further damage or keep people safe.
The best time to prepare for a claim is before there is one. A simple record-keeping habit can save a lot of stress later.
- Keep photos of property condition before and after major changes.
- Save invoices for repairs, maintenance and key assets.
- Keep a simple asset list for business equipment, tools and stock.
- Contact your broker early if something happens.