Many surface repair enquiries arise from accidental damage covered by home insurance. A chipped worktop, cracked bath or cracked tile from a dropped item may well be claimable under your buildings or contents policy — and professional surface repair is usually the most appropriate and proportionate remedy. Here is what you need to know about using surface repair in an insurance context.
Is Surface Damage Covered by Home Insurance?
Accidental damage cover is typically an add-on to standard buildings and contents insurance. If you have this cover, a chip or crack caused by an accident — a dropped pan, a bottle falling from a cabinet, a tile cracking from a dropped heavy object — may be claimable. Standard policies without accidental damage cover generally only cover defined events (flood, fire, storm) and would not cover chip damage.
What Evidence Do You Need for a Claim?
- Photographs — clear photos of the damage from multiple angles
- Description of how the damage occurred — insurers require a description of the specific incident
- Date of the damage — if known
- Professional repair assessment — a written estimate from a qualified surface repair company confirming the damage and the cost to repair
How Shazam Repairs Supports Insurance Claims
We provide written repair assessments and estimates suitable for submission with insurance claims. Our documentation describes the damage, the material affected, the repair method and the cost. This gives your insurer the information they need to assess your claim.
Should You Claim or Just Get It Repaired?
This depends on your excess and your premium. If your excess is £250 and the repair costs less than that, claiming is not worthwhile — and making a claim can affect your future premium. For smaller repairs, paying directly is often more economical. For larger repairs on high-value worktops or baths, an insurance claim may well be the right route.
Get a Written Assessment for Your Claim
Send photographs of the damage and we will provide a free written estimate suitable for your insurer.
