Claim details
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Water
Escape of water
Burst / frozen pipes
Flood (external)
Escape of oil
Sewer / drain backup
Leaking roof (water ingress)
Fire & heat
Fire
Arson
Explosion
Lightning strike
Weather & ground
Storm / wind damage
Hail damage
Snow / ice loading
Subsidence
Heave / landslip
Tree fall
Impact & physical
Vehicle impact
Aircraft / falling object
Accidental damage
Structural collapse
Malicious & criminal
Theft / burglary
Malicious damage / vandalism
Riot / civil commotion
Other
Smoke / soot damage
Vermin / pest damage
Ground contamination
Other
Used for precise regional benchmarking
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Standard residential
Detached house
Semi-detached house
Terraced house
Bungalow (single storey)
Leasehold flat / apartment
Freehold flat
Maisonette (split-level)
Studio flat / bedsit
New build property
Specialist residential
Listed building (any grade)
Grade I / A listed building
Non-standard construction
High-rise residential block
HMO / house in multiple occupation
Sheltered / retirement housing
Rural / agricultural property
Barn conversion
Thatched property
Commercial — office & retail
Office (standard)
Office (high-spec / fit-out)
Retail / shop unit
Retail — large format / superstore
Leisure / gym / health club
Mixed use (commercial + residential)
Commercial — hospitality
Hotel (3 star or below)
Hotel (4–5 star / luxury)
Restaurant / dining premises
Public house / licensed premises
Takeaway / fast food premises
Industrial & storage
Industrial / light industrial unit
Warehouse / logistics
Cold store / food storage
Commercial workshop
Garage / MOT workshop
Public & healthcare
School / educational facility
Healthcare / medical premises
Place of worship
Community / public building
Used to calculate net payable
Quote includes VAT
Informs maintenance vs damage causation, asbestos risk, betterment
Quote or invoice
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Running analysis
Benchmarking line items...
1
Rate database cross-reference
2
Regional market calibration
3
AI challenge pass
4
Verdict synthesis