From time to time, homes and buildings will require maintenance and repair work, this could be structural, electrical, roofing, plumbing or other work. To future-proof any claims that you may need to make on your home insurance, it is vital that you hire certified workers, this is especially important for any remedial work carried out. A certified worker or contractor will supply you with an itemised invoice and receipt for the work carried out so that you have this to hand if you need to make a home insurance claim.
What work needs to be certified?
Work that needs certification typically includes work done on your house’s plumbing or heating systems, internal electrics, roof, and more. It is generally the type of work that focuses on the structure and safety of the building and its environment. Where repair work is needed under emergency circumstances, we advise you to contact us immediately so we can arrange for one of our authorised contractors to complete the repairs needed.
What is remedial work on a house?
Where homes and buildings are concerned, remedial work involves removing, reducing, or modifying the building’s structure. Usually, this work is needed to fix a defect or an issue in the building’s construction in order for it to meet building standards and environmental and regulatory requirements. For example, fixing a faulty structural element in the building.
Be aware that if remedial work has been advised, but you can’t prove that it was executed by a recognised contractor or by a recognised 3rd party authority, we will not be able to provide you with cover.
Who certifies the work being carried out?
The architect, surveyor, or engineer will issue a certificate for the work being carried out, detailing the value of the work executed and that they have approved such work.
Will uncertified work impact a home insurance claim?
Uncertified work, while it may be convenient at times, can cause problems in the long run. This is because AXA needs proof of loss through receipts, valuations, photographs, instruction booklets and guarantee cards for any claims being made.
We recommend that you refer to our most recent policy documents for full disclosure on the nature of damage and repair that’s covered by your home insurance policy
What AXA needs to complete your claim
First and foremost, contact us as soon as possible at 0818-7-365-24 to report any incident that occurs which may result in you making a home insurance claim. Once you have reported the incident, you will need to send us the following:
● Any writ, summons, letter, claim or other document.
● Any information or evidence we request, including written estimates and proof of ownership or value, within 60 days.
● All reports, certificates, plans, specifications, and information.
If you have any further queries about making a claim, please check our FAQ on claims and emergencies for more information, or contact our team who will be happy to answer your query.
