Once you have lodged a claim and everything else that needs to be submitted as part of the assessment process, the insurer will carry out an investigation. The insurer will make a decision and provide you with a written explanation of that decision. They can either:
- accept the claim, or
- reject the claim (in whole or part)
They must provide reasons for the decision.
For insurance policies issued from 1 September 2005, the claim is deemed to have been accepted if the insurer has not given written notice of their decision about liability within 90 days of the home owner making a claim.
This is a brief description; please contact us if you need more information on lodging a claim.