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title: Insurance Repair Insights | Tips, Advice & News (4)
description: Delivering company and industry news, updates and insights, written by our experts. Learn more about property insurance repairs with our blog.  (4)
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## Shedding a light on property insurance repairs.

Insights from industry experts, helpful guidance for handling property insurance claims, and tips for reducing stress amidst the property repair chaos — you’ll find all this and more in the Action Insurance Repair blog.

###### [9/3/26, 8:00 AM • 10 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Stock%20images/air-plumber-wall-damage.webp?width=500&height=500&name=air-plumber-wall-damage.webp) 'Why does my repair quote seem so expensive?': What really goes into an insurance reinstatement proposal The quote you receive for your repairs after making an insurance claim can sometimes come as a surprise. Many homeowners expect the cost to be similar to a standard building quote, so when they see a reinstatement proposal that appears significantly higher than expected, their first question is ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/why-does-my-repair-quote-seem-so-expensive-what-really-goes-into-an-insurance-reinstatement-proposal)

###### [8/25/26, 8:30 AM • 6 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Claim%20Rejected.png?width=500&height=500&name=Claim%20Rejected.png) Why can't repairs start until the insurer approves them? When your home has been damaged, waiting can be one of the most frustrating parts of the insurance repair process. Whether you’re dealing with a burst pipe/escape of water, flood damage, fire damage, or storm-related issues, there’s no doubt that your top priority will be to get everything fixed as ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/why-cant-repairs-start-until-the-insurer-approves-them)

###### [8/17/26, 8:00 AM • 8 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/air-assessment-1b-3.webp?width=500&height=500&name=air-assessment-1b-3.webp) What happens during an insurance repair assessment? Your home has been damaged, so what happens now? When you’ve suffered a flood, fire, water leak, or break-in at home, the thought of navigating the insurance claim and then having to project manage lots of different trades to carry out the repairs can seem daunting. In this blog, we answer some of ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/what-happens-during-an-insurance-repair-assessment)

###### [8/10/26, 4:00 PM • 10 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/igorshubin-repair-5004839.jpg?width=500&height=500&name=igorshubin-repair-5004839.jpg) Why 'good enough' repairs can cost you more in the long run Following extensive property damage, most people want the same thing: to get back to normal as quickly as possible. Things can become chaotic after a flood, fire, storm, or major escape of water, and it’s completely understandable to want repairs completed fast so you can put the situation behind ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/why-good-enough-repairs-can-cost-you-more-in-the-long-run)

###### [7/15/26, 3:34 PM • 3 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Oban%20Action%20Insuance%20Repair-05-Web%20Size.jpg?width=500&height=500&name=Oban%20Action%20Insuance%20Repair-05-Web%20Size.jpg) Helping a Preston couple rebuild after a car crashed into their home Most homeowners never expect to see a car come through the front wall of their house and land in their living room, but that’s exactly what happened to Mr and Mrs Cartmel when a neighbour lost control of their vehicle and crashed into the front of their bungalow in Preston. Client Stories By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/helping-a-preston-couple-rebuild-after-a-car-crashed-into-their-home)

###### [6/22/26, 5:14 PM • 11 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Stock%20images/air-stressed-couple-water-damage-1.webp?width=500&height=500&name=air-stressed-couple-water-damage-1.webp) Key things every property owner should know before (and during) and insurance claim Understanding what to expect from the home insurance claims process can help to take a lot of the stress away and get you back to normal sooner. In this blog, we explain the core stages of the claims process, who’s involved, and the steps you can take to keep your claim moving. Find answers to ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/key-things-every-property-owner-should-know-before-and-during-and-insurance-claim)

###### [5/29/26, 2:05 PM • 9 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Imported_Blog_Media/Plumber1-1024x683.webp?width=500&height=500&name=Plumber1-1024x683.webp) Why finding reliable repairers is one of the biggest claims challenges When a property gets damaged, most policyholders assume that dealing with the insurance claim itself will be the biggest headache. But in reality, one of the main challenges often comes later; finding reliable tradespeople who can actually carry out the repairs. For many policyholders, this can ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/why-finding-reliable-repairers-is-one-of-the-biggest-claims-challenges)

###### [4/12/26, 5:17 PM • 1 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/markus-winkler-afW1hht0NSs-unsplash.jpg?width=500&height=500&name=markus-winkler-afW1hht0NSs-unsplash.jpg) Insights from our recent training session at Your Move Recently, we had the opportunity to deliver an insurance repairs training session to the lettings team over at Your Move, and we came away with some valuable insight into the challenges agents face, and the role we can play in supporting them. For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/insights-from-our-recent-training-session-at-your-move)

###### [4/12/26, 5:02 PM • 1 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/biseeise-cake-8470012.jpg?width=500&height=500&name=biseeise-cake-8470012.jpg) Action Insurance Repair turns 18! It’s official - if Action Insurance Repair was a person, they’d be old enough to buy themselves a birthday drink at the bar! For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/action-insurance-repair-turns-18)

###### [4/12/26, 4:58 PM • 7 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/publicdomainpictures-money-1760_640.jpg?width=500&height=500&name=publicdomainpictures-money-1760_640.jpg) Why are cash settlements becoming the new go-to for claims resolution? Cash settlements have always been an option when it comes to closing claims. A cash settlement might even be the best option, in some circumstances. However, over the last 12+ months we’ve seen a marked increase in the number of cash settlements that are offered, and the pressure felt by ... For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/why-are-cash-settlements-becoming-the-new-go-to-for-claims-resolution)

###### [3/26/26, 4:12 PM • 2 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Noel%20Morgan%20Bathroom%20Upgrades%20(After)%201.jpg?width=500&height=500&name=Noel%20Morgan%20Bathroom%20Upgrades%20(After)%201.jpg) A new & improved bathroom for a flooded apartment By working with Action Insurance Repair, Noel Morgan turned a flooded apartment bathroom into an opportunity to make practical changes for his tenants — all covered by his policy. Client Stories By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/a-new-improved-bathroom-for-a-flooded-apartment)

###### [3/19/26, 3:38 PM • 8 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Builder%20%20Repairs.jpg?width=500&height=500&name=Builder%20%20Repairs.jpg) Do I have to use the insurer’s builder? To cut straight to the point: no, you don’t have to use the builder or contractor recommended by your insurer. If you’ve made a home insurance claim and your insurer has told you they’ll be appointing a builder or contractor to carry out the repairs, you might be thinking: But do I have to use ... For Homeowners, For Landlords, For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/do-i-have-to-use-the-insurers-builder)

###### [2/12/26, 3:22 PM • 11 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Stressed%20phonecall%20-%20poor%20customer%20service%20.png?width=500&height=500&name=Stressed%20phonecall%20-%20poor%20customer%20service%20.png) Why home insurance claims feel slow (and what you can do about it) Dealing with a home insurance claim can be stressful and frustrating, especially if it feels like progress has stalled. But it’s important to remember that the home insurance claims process is rarely straightforward, and there’s a lot of work that takes place behind the scenes. Understanding why ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/why-home-insurance-claims-feel-slow-and-what-you-can-do-about-it)

###### [2/12/26, 11:28 AM • 2 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Case%20Study%20-%20First%20Choice%20Alarms%20(Fire)%20(3).jpg?width=500&height=500&name=Case%20Study%20-%20First%20Choice%20Alarms%20(Fire)%20(3).jpg) Helping First Choice Alarms recover from an office fire When a bin fire was started in the back yard of their office premises, First Choice Alarms thankfully knew just who to call to fix things once the flames had been put out. Client Stories By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/helping-first-choice-alarms-recover-from-an-office-fire)

###### [2/3/26, 8:53 PM • 7 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Stock%20images/air-water-damage-repair-2.jpg?width=500&height=500&name=air-water-damage-repair-2.jpg) A guide to emergency (and temporary) home repairs When your home is damaged, the first decisions you make matter. Whether it’s a burst pipe, storm damage, fire, or flooding, acting quickly - and correctly - can prevent further damage, protect your insurance claim, and reduce long-term disruption. In this guide, we’ll cover: What qualifies as an ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/a-guide-to-emergency-and-temporary-home-repairs)

###### [1/29/26, 8:10 PM • 10 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/annie-gray-WEWTGkPUVT0-unsplash%20(1).jpg?width=500&height=500&name=annie-gray-WEWTGkPUVT0-unsplash%20(1).jpg) The risk of insurer-appointed contractors: What you need to know When your property is damaged - from water, fire, storms, or flooding - limiting the spread and protecting your property is usually the top priority. Once that’s taken care of, no doubt you’ll be wanting the repair work to start as soon as possible. Many homeowners believe that once they notify ... For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/the-risk-of-insurer-appointed-contractors-what-you-need-to-know)

###### [11/7/25, 10:00 AM • 2 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/AIS%20Marsden%20-%20Photos-10-2-1.jpg?width=500&height=500&name=AIS%20Marsden%20-%20Photos-10-2-1.jpg) Clearing the smoke: How we helped a homeowner recover from a neighbour's fire When Olly Paul suffered extensive smoke damage at his home from a fire in the bakery downstairs, he didn’t know where to turn. Thankfully, his insurance broker put him in touch with a trusted loss assessor, Michael Stitt, who knew exactly who to bring on board. Client Stories By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/clearing-the-smoke-how-we-helped-a-homeowner-recover-from-a-neighbours-fire)

###### [11/7/25, 10:00 AM • 2 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Stock%20images/air-property-damage-3.webp?width=500&height=500&name=air-property-damage-3.webp) Underinsurance: The big picture We all know that home insurance can be complicated — whether your clients are shopping for it, renewing it, or making a claim for property damage, there are likely going to be some hurdles to overcome at some point. Research shows that in 2025, it’s not just the cost of policies that’s got people ... For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/underinsurance-the-big-picture)

###### [11/7/25, 10:00 AM • 2 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/AIR%20Blogs%20-%20Featured%20Images-1.png?width=500&height=500&name=AIR%20Blogs%20-%20Featured%20Images-1.png) Our referral programme: A partner's perspective Established in 2008, Pendle Hill Properties is a leading estate and letting agency providing a specialist residential property sales and rentals service in East Lancashire. Recently, we caught up with Sales Director Tom Turner to learn more about how our partnership benefits his business. For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/our-referral-programme-a-partners-perspective)

###### [10/24/25, 5:12 PM • 10 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Claim%20Rejected.png?width=500&height=500&name=Claim%20Rejected.png) What happens if your home insurance claim is rejected? A rejected home insurance claim isn’t the end of the road. If you’ve had your claim denied, there are still a number of steps you can take to ensure you’re not left to foot the repairs bill yourself. For Homeowners, For Landlords By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/what-happens-if-your-home-insurance-claim-is-rejected)

###### [9/4/25, 8:42 PM • 11 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Insurance%20claim%20form%20.png?width=500&height=500&name=Insurance%20claim%20form%20.png) What's the home insurance claim process in the UK? If you’re reading this blog, chances are you’ve experienced sudden, and potentially extensive, damage to your property and you’re looking for a quick guide for what your next steps should be. If this is you, here’s our top-level summary of the key steps in the home insurance claim process: For Homeowners, For Landlords, For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/home-insurance-claim-process-uk)

###### [9/3/25, 8:40 AM • 10 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Insurance%20policy%20review%20help%20.png?width=500&height=500&name=Insurance%20policy%20review%20help%20.png) 2025's biggest home insurance challenges and how you can make sure you're protected Home insurance can be complicated — whether you’re shopping for it, renewing it, or making a claim for property damage, you’ll likely have to overcome some hurdles at some point. But in 2025, what are the main challenges facing policyholders, and how can you make sure you’re fully protected for all ... For Homeowners, For Landlords, For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/2025-home-insurance-challenges-tips-for-tackling-them)

###### [7/30/25, 6:08 PM • 10 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Which%20Blog%20Header%20.png?width=500&height=500&name=Which%20Blog%20Header%20.png) What is the "Insurance Rip-Off" petition? The “Insurance Rip-Off” petition, championed by consumer rights advocate Which?, is currently a hot topic for those working in the insurance sector, as well as the policyholders they serve. You may have heard about it following the recent coverage on ITV, or the various posts being shared by ... For Homeowners, For Landlords, For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/the-which-insurance-rip-off-petition)

###### [6/24/25, 2:25 PM • 5 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Imported_Blog_Media/tandcs.webp?width=500&height=500&name=tandcs.webp) Do your clients understand their insurance policy T&C’s? Property insurance isn’t a luxury; it’s a necessity. But do property owners actually understand their insurance policy? Do they know what is and isn’t covered, what exclusions their policies have and what they need to do to ensure their insurance claims are successful? For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/do-your-clients-understand-their-insurance-policy-tcs)

###### [6/24/25, 2:19 PM • 2 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Imported_Blog_Media/xandy-falconer-_fRVIbJ-EMM-unsplash-1-scaled.jpg.pagespeed.ic_.4EbPCOympL-1024x503.webp?width=500&height=500&name=xandy-falconer-_fRVIbJ-EMM-unsplash-1-scaled.jpg.pagespeed.ic_.4EbPCOympL-1024x503.webp) Storm Dennis. Are You Prepared? It shouldn’t be quite as severe as its predecessor Storm Ciara, but Storm Dennis could still potentially do a lot of damage. Expected to hit the UK on Saturday and continue into Sunday, the latest storm will bring plenty of rainfall, as well as strong winds (up to 60mph at times). As a result, an ... Storm Damage By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/storm-dennis-are-you-prepared)

###### [6/24/25, 2:17 PM • 2 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Imported_Blog_Media/x101-6.jpg.pagespeed.ic_.VBumxTO8_A.webp?width=500&height=500&name=x101-6.jpg.pagespeed.ic_.VBumxTO8_A.webp) Interview with Ainsworth Lord Estates - Impact Damage Case Study We interviewed Paul Ainsworth-Lord, co-founder and director of Ainsworth-Lord Estates, and asked him to share his experience of working with AIR. You can read all about this case study here. How did you find out about Action Insurance Repair? I was introduced to Joanne from Action Insurance Repair ... For Partners By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/interview-with-ainsworth-lord-estates-impact-damage-case-study)

###### [6/24/25, 2:14 PM • 1 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Imported_Blog_Media/xshutterstock_755469910-NEW.png.pagespeed.ic_.j8GB-gvuPA.webp?width=500&height=500&name=xshutterstock_755469910-NEW.png.pagespeed.ic_.j8GB-gvuPA.webp) How are Insurance Brokers planning on improving their services? Last December, we came across a very interesting article in the Insurance Times where award-winning insurance brokers Romero Insurance detailed how they’re changing their service propositions to meet the challenges of 2021. For them, this includes investing in a full-service claims department to ... News By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/how-are-insurance-brokers-planning-on-improving-their-services)

###### [6/24/25, 2:11 PM • 3 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Imported_Blog_Media/xChristmas.pagespeed.ic_.4whsYiFNS9-p707zdakhtmuem9q1bb25f0c22apl3wnj3rmqta2yc.webp?width=500&height=500&name=xChristmas.pagespeed.ic_.4whsYiFNS9-p707zdakhtmuem9q1bb25f0c22apl3wnj3rmqta2yc.webp) Be Fire Safe this Christmas Christmas is a time for fun and celebrations, but at this time of year the fire service are keen for everyone to be fire safe. Fires can occur for many reasons, but over the festive period preventable house fires are one of the main reasons that 999 calls are made. Fire & Smoke Damage By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/be-fire-safe-this-christmas)

###### [6/24/25, 2:01 PM • 1 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Imported_Blog_Media/PAGE07_Image2.webp?width=500&height=500&name=PAGE07_Image2.webp) Celebrating 15 Years. Our First Ever Property Insurance Repair Project Slade Lane Neighbourhood Centre was one of our first-ever projects and was a referral from Arthur Doodson Insurance brokers, now known as Integro. Client Stories By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/our-first-ever-property-insurance-repair-project)

###### [6/24/25, 1:59 PM • 1 min read ![](https://www.actioninsurancerepair.co.uk/hs-fs/hubfs/Imported_Blog_Media/AIR%20-%20joanne%20with%20water%20damage%20restoration%20certificate.webp?width=500&height=500&name=AIR%20-%20joanne%20with%20water%20damage%20restoration%20certificate.webp) Expanding AIR's Mould Remediation Expertise Strengthening Action Insurance Repair’s Commitment to Mould Eradication in Flood-Damaged Properties, Founder Joanne Ginty decided to expand her own knowledge and understanding about mould and how to eradicate it. News By Joanne Ginty](https://www.actioninsurancerepair.co.uk/blog/expanding-air-s-mould-remediation-expertise)

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Shared quarterly, the AIR newsletter is packed with customer stories, industry news, and helpful advice that you can action to prevent insurance repair headaches for you and/or your clients.

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