Home Insurance Claims

Storm Damage

1. Contact a reputable builder immediately to arrange emergency repairs or boarding-up.
2. Wet or damaged items can be lifted or removed from your home, BUT do not dispose of any damaged items until your claim has been settled or these items have been inspected. Store in a shed, attic, skip or outhouse.
3. Dehumidifiers can be used to dry out walls and ceilings.

Water Damage

1. Contact a plumber immediately to stop the leak and minimise any further damage.
2. Wet or damaged items can be lifted or removed from your home, BUT do not dispose of any damaged items until your claim has been settled or these items have been inspected. Store in a shed, attic, skip or outhouse.
3. Dehumidifiers can be used to dry out walls and ceilings.

Wear & Tear

If something is broken or damaged due to normal use or aging, then this is not insured. Examples include cracked tiling, decaying pipework, broken appliances and soft furnishing fabrics worn by everyday use.

Your policy excess is more than the claim itself

To keep our premiums as low as possible, we have standard policy excess’ as follows:

• Escape of water €500
• Subsidence €5000
• All other claims €350

Home claims advice

• Felt roofs over 5 years old must be inspected by a professional builder every 3 years.
• Keep receipts for any expensive possessions as you will need to validate how much they cost you.
• Ensure that seals and grouting around showers and baths are regularly maintained to prevent water leakage.
• Do not dispose of any damaged items until agreed by AXA.
• Please contact our Customer Service Centre if your property becomes unoccupied or if there are any changes in occupancy e.g. house let to tenants, as this may affect policy cover.
• Apartment owners, please check with your management company to see what cover is in place in respect of your fixtures and fittings. E.g. wooden flooring, kitchen units.
• If you have a holiday home you must switch off the water and electricity when unoccupied. This is a condition of your policy.