Perils | Concept Claim Solu 1

Understanding Perils: What Can Go Wrong – and What You Can Claim For

When it comes to home insurance claims, the term “perils” refers to the specific types of events or damage that your policy covers. These are the incidents that trigger a claim — and knowing how they’re defined, handled, and proven is key to getting the right support when something goes wrong.

At Concept Claim Solutions Stafford, we help you navigate that process clearly and confidently. Below, we break down the most common insurance perils — including what’s typically* covered, what can go wrong during a claim, and how we help you manage the outcome from start to finish.

Fire Damage

Fire and smoke damage can be devastating. Your policy may cover structural repairs, item replacement, and temporary accommodation — but home insurance claims can be delayed or under-settled without professional representation. We ensure all damage is assessed, documented, and negotiated for, from minor kitchen fires to full-property loss.

Escape Of Water

Closeup view of leaked and splash water from the plastic pipe during the rainy day after s

Water damage is one of the most common claim types — from burst pipes to leaking appliances or overflowing tanks. It often causes hidden damage behind walls or under floors, and insurers can question whether it's “gradual” or “accidental”.

Storm Damage

High winds, heavy rainfall, hail or snow can all cause storm damage — from missing tiles and damaged render to structural issues and water ingress. But insurers sometimes dispute whether a “storm” occurred. We have tools to assist in proving wind speeds and weather conditions, even historically.

Flood Water

Flooding can cause widespread damage in a matter of minutes — affecting floors, walls, electrics, and even the structural integrity of your home. Many standard home insurance policies include cover for flood-related damage, but interpreting what is and isn’t included can be complex.

*Please note: Flood cover is often included in buildings insurance, but not always as standard. What’s covered can depend on your postcode, flood risk, and insurer terms. If you’re unsure, we offer a free policy review to help you understand your position before making a claim.

Subsidence

Subsidence refers to the gradual sinking or shifting of the ground beneath your property, often causing serious structural damage such as cracked walls, misaligned doors and windows, or even foundation instability. It’s one of the most complex and heavily scrutinised types of insurance claims.

Accidental Damage

This type of claim involves sudden, one-off incidents — like falling through a ceiling while in the loft or damaging built-in fittings. Accidental damage is often misunderstood and varies by policy.

We help clarify what’s covered and ensure the claim is documented and submitted correctly, avoiding delays or rejections.

*Insurance policies vary significantly between providers and individual circumstances. The examples listed above reflect what is commonly or typically covered under many standard home insurance policies but may not apply to your specific policy. Always check your own policy documents or speak to your insurer for confirmation of cover.