A claim begins with a real incident, not a form. Keep people safe first. Call 999 if someone is in immediate danger. Do not enter floodwater, approach damaged electrics, climb onto a roof or enter a structurally unsafe building to collect evidence.

When safe, contact the insurer using the policy’s reporting route. A claims handler coordinates assessment; a loss adjuster may investigate for the insurer. Ask what support, evidence and urgent professional help are needed. Having useful records helps an assessment, but does not guarantee a payment.