Claims

We hope you don’t need to make a claim under your insurance, but things occasionally go wrong in any new building, even after rigorous checking.

We’re here to help and will process any valid claim as quickly as possible. First of all, you need to consider if the circumstance is one which concerns the New Home Defects Insurance or Commercial Property Defects Insurance, or not.

For full information on claims please refer to the policy document. If you are in any doubt, please contact us or email us on info@blpinsurance.com

What sort of things can you claim for? What sort of things can you claim for? 
 

	The cover is in force for defects arising in the structural elements and in the weatherproofing and waterproofing envelope of the building: your problem must involve this type of defect for you to have a claim.   Additionally, you may be covered for failure of other components in the remainder of the building: your policy will tell you if you benefit from this cover.

How do you decide what to do? How do you decide what to do? 
 

	Many potential claims situations are easily addressed by carrying out some simple maintenance procedures such as: checking circuit breakers, bleeding radiators, clearing gutters and down pipes, changing washers and unsticking ball valves.   Some other incidents are more appropriately addressed to your home and contents insurers. Your defects insurance will not respond to losses unless they arise from defects during construction. Examples such as flooding, storm damage to roofs and windows, pipework damaged through nailing or the inevitable broken window will not be covered.   If the situation is neither a maintenance of snagging problem, nor something that is covered by a domestic policy or other insurance, then you should contact us to see if it is covered by the buildings defects insurance.

Who do you contact? Who do you contact? 
 

	Claims are handled initially by BLP on behalf of Allianz Global Corporate & Specialty AG, UK Branch.   To notify us of a claim you should call BLP on 020 7204 2424, quoting your policy reference number. You’ll be asked for a brief summary of the claim or circumstance, and you’ll be sent a claim form. When you’ve completed the claims form you should return it to: Claims Department BLP 90 Fenchurch Street London EC3M 4ST

What happens next? What happens next? 
 

	How each claim is actually handled will depend on the individual circumstances. The defect will have to be assessed and an inspection may be carried out by a loss adjuster. You may be asked to arrange access to the property for any inspection.   In order for us to deal with the claim speedily and fairly, we must be fully aware of the circumstance and also what action, if any, you propose. You may already have begun investigation into the problem or you may have no idea of the cause.

Whatever the situation, it is imperative that we are informed as soon as possible.