Accidental damage is usually an optional extra to your standard policy. It aims to cover any accidental damage that may occur outside of the normal perils of fire, storm, flood, etc. Typical claims that are made under accidental damage are spillages of liquids onto floors damaging carpets or wooden floors, cracked floor tiles or sanitary ware due to a heavy object falling and other one off incidents not specifically covered elsewhere. However it does normally exclude damage due to wear and tear, damage caused by vermin or pets or anything that is damaged as result of works or cleaning been carried out on the property. For a claim to be covered under this peril the damage must be as result of a one-off incident which was accidental in nature.
How we can help?
If appointed to your claim, Eden Claims Management can help relieve the pressure on the policyholder by taking over the entire claims process including contacting the Insurance company, checking the policy to see if there is adequate cover, meeting the Insurance companies appointed Loss Adjuster, determining the scope of works required, preparation of detailed priced bills of quantities, negotiation of settlement and procuring a competent Building Contractor if required.