Are you in need of getting familiar with the property damage claim process and details? If so, then this guide is for you. Many factors can lead to property damage, and this is where submitting such a claim to your insurance company comes in handy. Discover below what such a claim entails, what its types are, and how to file one.
What is a Damage Claim for a Property
First of all, property damage insurance claims are forms submitted to an individual or a group’s insurance company, including home insurance in UAE. These forms include a request for reimbursement for damages done to their property. Also, such a form can include a request for repair coverages. Of course, one must be fully aware of their insurance policy in order to know how to submit such a form.
In addition, a damage claim would be necessary when the property is compromised by various factors. For example, fire, theft, or vandalism. Also, it can be applied if the damage is caused by natural disasters, such as floods, hurricanes, earthquakes, and others.
Furthermore, the property damage insurance claims process allows an individual or a business to notify the insurance company. This would include the damage done, the causes, and the requested action. It may be a request for compensation, repair, or replacement. Again, all of this applies to the insurance policy.
What are the Types of Property Damage Claims
Additionally, various incidents can cause property damage. Whether these factors are natural or deliberate. If you have an insurance policy that covers property damages, then your insurance company will be of aid. Before diving into the property damage claim types, here are some factors that may cause such damage:
- Fire or arson
- Theft
- Water leaks
- Tornados or hurricanes
- Earthquakes
- Lightening
- Vandalism or trespassing
- Damaged roofs or faulty structures
- Termites or mildew
- Appliances malfunctions
- Sinkhole
Moreover, the type of claim can be summed up into two main ones. This categorisation is based on what the damage claim is for. The below will help you understand this better.
- Real Property – the physical and probably unmovable structure on the land, it may include:
- The lot a house is built on
- The building sits on a land
- An in-ground swimming pool
- Trees or farms
- Offices
- Undeveloped plots
- Warehouses
- Personal Property – movable items or personal belongings
- Furniture
- Appliances
- Office furniture
- Jewellery
- Equipment or tools
- Vehicles
How to File a Property Damage Claim
Firstly, make sure you are familiar with your insurance policy. Understand what it covers and how much damage it can make up for. This is why reading and familiarising yourself with your insurance policy is extremely crucial. Once you do that, follow the steps below to submit a property damage claim form template smoothly:
- Provide visual evidence for the damage through photos and videos.
- Contact your insurance company and request a form.
- Fill out the form with personal details and details about the incident, the damage, and the request to repair or compensate.
- Ask for an inspector to estimate the damage if need be.
- Stay in contact with the insurance company to follow up.
- Understand the property damage claim time limit – not reporting immediately may affect your claim negatively.
- Make sure to report to the authorities if it is a theft or arson case.
- Get assistance from an attorney if need be.
Third-Party Insurance Claim Property Damage
In addition, some individuals or businesses may prefer hiring a third-party insurance claim property damage company. This third-party insurance company may differ from the original policymakers – in other words, your original insurance company. Furthermore, these third-party companies can be known as surveyors and loss adjusters – according to the UAE’s official governmental portal. Generally, you may need a third-party property damage claim company in such instances:
- Accidents including vehicles
- Accidental damages, such as breaking a neighbour’s window
- Accidents that cause public liability, such as damage to public property
- Tenants requesting damage to their rental properties
Best Property Insurance Companies in the UAE
Various insurance companies in the United Arab Emirates provide property damage insurance. These companies are spread across the Emirates, so wherever you are residing, you will always find an excellent and trustworthy insurance company. Here are a few examples:
- National General Insurance – Dubai
- Location: Port Saeed Street, Deira
- Contact details:
- +971 4 211 5800
- customerservice@ngiuae.com
- Abu Dhabi National Insurance Company
- Location: Mohammed Bin Khalifa Street, Al Danah Zone 1
- Contact details:
- 800 8040
- info@adnic.ae
- Al Buhaira Insurance – Sharjah
- Location: Buhaira Tower, Corniche Street, opposite Noor Mosque Buhaira
- Contact details: +971 6 511 7500
- Union Insurance Company
- Location: Sheikh Khalifa Bin Zayed Street, 3 Al Nuaimia
- Contact details: +971 6 701 4666
- RAK Insurance
- Location: Al Jazeera Building, Sheikh Saqr Bin Mohammad Al Qasimi Road
- Contact details: +971 7 227 3000
Additionally, note that the property insurance companies above are just a few examples. You will find various other ones depending on your preferences, such as coverage, locations, and quotes.
FAQ
No, they are not. For instance, you can file a car accident property damage claim.
This letter will include your personal and contact details, location, and date. It will also include the type of damage with evidence, the expected assistance, and your policy number.
In conclusion, filing a property damage claim in the UAE will not be a hassle if you have the right insurance policy. Therefore, make sure to be fully aware of your policy and what it entails. In addition, explore more guides on Property Finder’s blog, such as Dubai’s home insurance and more.
