Many homeowners, landlords and property managers use their buildings or contents insurance to cover the cost of surface damage. Whether it’s a cracked worktop, a chipped bath or a scratched floor, insurance claims for surface repair are common — and working with the right repair company can make the process straightforward.
What Types of Surface Damage Are Typically Covered?
This varies significantly by policy, but common scenarios where surface damage may be covered include:
- Accidental damage — a pan dropped on a worktop, a bath chipped by a tool
- Escape of water — water damage to floors and surfaces from a burst pipe or failed appliance
- Impact damage — damage from objects falling or striking surfaces
- Fire damage — burn marks and heat damage from kitchen fires or accidents
Always check your specific policy for what is and isn’t covered. Not all policies include accidental damage and some have specific exclusions for wear and tear.
How We Support Insurance Claims
Shazam Repairs provides the documentation that insurers typically require to process a repair claim:
- Detailed written report describing the damage and proposed repair method
- Before and after photographs
- Itemised invoice clearly identifying the repair work carried out
- Confirmation of completion and sign-off
Repair vs Replacement: What Insurers Prefer
Most insurers prefer to authorise professional repair rather than like-for-like replacement when repair is a viable option. This is because repair costs significantly less and avoids the complications of sourcing a matching replacement. If your insurer has asked you to get repair quotes before they approve replacement, we can provide a professional assessment of whether repair is achievable and to what standard.
Working With Loss Adjusters
We are experienced in working with loss adjusters and insurance assessors and can liaise directly with your insurer’s representative if required. We understand what documentation insurers need and will ensure all paperwork is provided accurately and promptly.
Get an Insurance Repair Quote
Contact us for an insurance repair quote and assessment report →
