Structural damage insurance claims We'll manage the claim for you.
Structural damage can be caused by many things, including fire, malicious damage, vehicle impact and subsidence. It's often serious, and the claims can be complex. We manage your claim with your insurer and deal with the engineers and experts on your behalf.
If your home looks unsafe
- Get out if it's dangerousIf walls are bulging or a ceiling is sagging, leave and call 999.
- Report itTell your insurer, and the police if a vehicle or crime caused it.
- Photograph the damagePut a ruler next to cracks and note the date.
- Hold off on repairsLeave structural work until the damage has been assessed.
- Give us a callWe can tell you where you stand.
Structural damage we help with
Whether you're covered depends on what caused the damage and on your policy, so we look at both with you.
Vehicle impact
A car or van hitting your home, wall or boundary.
Fire
Damage to the structure after a fire.
Malicious damage
Deliberate damage to walls, roofs or the building.
Subsidence and heave
Ground movement causing cracks in walls and floors.
Collapsed ceilings and floors
Often caused by water or weakened joists.
Walls and chimneys
Cracked, leaning or damaged walls and chimney stacks.
Expert evidence matters
Structural claims often depend on reports from engineers. We arrange the evidence your claim needs and deal with your insurer's experts, so the full extent of the damage is recognised.
Subsidence claims
Subsidence claims often need the building to be monitored for months before repairs are agreed. We manage the process with your insurer and keep you updated throughout.
How the claims process works
From the first visit to the day your settlement is paid, here's what happens at each stage.
0800 689 3802Free home visit
We come and look at the damage, work out what caused it and talk you through how a claim would work, including our fee. There's no pressure to decide on the day. If you want us to go ahead, you sign a letter of authority so we can deal with your insurer for you.
We take over with your insurer
We tell your insurer we're acting for you. They will usually send a loss adjuster, who works for them, to look at the damage. We deal with the adjuster on your behalf and join the site meeting, so you're not facing it on your own.
We prepare your schedule of works
We put together a detailed schedule of works: every repair your home needs to get it back to how it was before the damage, with costs. Along with photos and reports, this is the evidence your claim is built on. We then send it to your insurer.
We negotiate your settlement
We go through your insurer's response line by line. If anything has been missed or undervalued, we challenge it on your behalf. We keep you updated throughout, and nothing is agreed without your say so.
Your settlement is paid to you
Once the settlement is agreed, your insurer pays it directly to you, less any excess on your policy. Our fee is then due, exactly as we agreed at the start. That completes our loss assessing service.
After your claim
Need structural repairs done? Our sister company, Renova Rebuild Ltd, can carry out structural repairs, brickwork, carpentry and joinery under a separate agreement with you. You are not required to use Renova Rebuild in order to use our loss assessing service.
"I would highly recommend using Beon property claims whenever you are making an insurance claim. It takes away the stress of dealing directly with insurance providers."Susan, Bark review March 2022
Structural damage claim questions
Is subsidence covered by home insurance?
Most buildings policies cover subsidence, usually with a higher excess than other claims. We check what your policy says.
A car hit my house. Who pays?
You can usually claim on your own buildings insurance, and your insurer may then recover the cost from the driver's insurer. We can handle the claim for you.
How do I know if cracks are serious?
Not every crack is a problem. Cracks wider than a few millimetres, cracks that keep growing, or doors and windows that start to stick are worth getting checked. We can look at them at the free home visit.
How long does a structural claim take?
Structural and subsidence claims can take longer, especially if the building needs monitoring first. We keep you updated at every stage.
Structural damage to your home? Give us a call.
We'll talk you through where you stand and what happens next.