Impact damage insurance claim advice for homeowners

If a vehicle, falling tree or other object has damaged your home, RSL Claims can assess the loss, manage your claim and negotiate with your insurance company on your behalf through settlement.

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An impact damage claim can include:

Walls and structural damage
Roofs and external areas
Garages, gates and boundaries
Windows and doors
Services and drainage
Contents and belongings

See full claim scope

Regulation

FCA Authorised · Ref 305956

Experience

20+ years · Founded 2003

Response

24/7 support · On site within 24h

Walls and structural damage

Damage caused by vehicles can affect brickwork, load-bearing walls, foundations and the structural integrity of other parts of your home.

Roof damage

A collision or falling object can damage tiles, timbers, membranes, chimneys and roof structures, sometimes allowing water into the property.

Garages and boundaries

Impact can damage garages, walls, gates, pillars and fencing. Cover for boundary structures varies between policies.

Windows and doors

An object striking the property can damage frames, glazing and openings, leaving your home exposed or insecure until repairs are carried out.

Services and drainage

Impact damage can cause problems with water pipes, gas supplies, electrical services, drains and underground ducting around the affected area.

Internal damage

Movement from an impact can cause cracking, damaged finishes and other hidden damage, including problems behind plaster or plasterboard.

Alternative accommodation

Your policy may cover temporary accommodation if the damage to your property makes your home unsafe or unsuitable to live in.

Emergency works

Temporary propping, boarding, barriers and debris removal may be required. Where safe, photograph the damage before temporary work begins.

Contents and belongings

Furniture, electrical items and other belongings may be covered where they are damaged by the impact.

service and support

Vehicle impact can leave more than visible damage

Vehicles colliding with entrance pillars, gates, driveways and boundary walls are a common cause of accidental impact damage to homes. RSL Claims helps homeowners with damage caused by their own vehicle, a visitor, a delivery driver or a third party, with desktop assessments, site visits, property damage assessments and repair support.

Damaged gates, walls and pillars can leave your property insecure or exposed, so repairs may need to move quickly. We provide advice on third-party liability claims and claims under your own policy, helping assess the damage, agree the repair scope and keep your home insurance claim for impact damage moving with as little disruption as possible.

1

Inspect the point of impact

We inspect the damage and check adjoining walls, roofs, floors and foundations to identify all damage linked to the incident.

2

Make the property safe

Where there are immediate safety concerns, we help arrange temporary support, boarding, barriers or other work to protect the property.

3

Establish the full repair scope

We gather photographs, reports, estimates and specialist findings to record the physical damage and any less obvious problems that need repair.

4

Present and negotiate the claim

We prepare the repair scope and costs, deal with your insurer and their loss adjuster, and challenge anything we believe has been missed or undervalued.

5

See the claim through

Our claim support continues through agreed works, insurer payments and repairs until the property has been properly restored.

Has something crashed into or fallen onto your home?

Need impact damage insurance claim advice? Contact us about the damage and we’ll be in touch within 1 working hour. Free consultation, no obligation.

Start your claim

Call 0151 632 6050

Recent settlements

+30–50% above insurer’s first offer

Range achieved across recent claim settlements. We treat each claim on its own merits – and never settle for the first number on the table.

Founder · Chartered Loss Adjuster

Talk to the founder

Impact damage can travel further than you think.

Vehicle strikes and falling objects can cause movement beyond the obvious damage, affecting adjoining walls, foundations, drains or services. We make sure the full impact damage loss is properly assessed before repairs and settlement are agreed.

Rob Spence – Managing Director, Chartered Loss Adjuster.

Speak to Rob – 0151 632 6050

Frequently asked questions

Common questions about impact damage insurance claims

What should I do immediately after impact damage to my home?

Keep away from damaged walls, roofs or other areas that may be unsafe. Call the emergency services where necessary, take photographs safely and gather details of anyone involved. Before you make a claim, avoid permanent repairs unless urgent work is needed to protect the property.

Does home insurance cover impact damage?

Many buildings insurance policies cover impact by vehicles, falling trees and other objects, subject to the policy wording and exclusions. As the policyholder, you should also check any limits and policy excess that apply.

What happens if a car or lorry hits my house?

Report the incident to your insurer and keep the driver’s name, registration, insurance details and any police reference. Your insurer may appoint a loss adjuster to assess the damage and report back on the claim.

Is structural impact damage always visible?

Impage damage isn’t always visible, as cracking or movement can extend well beyond the obvious impact point. Foundations, adjoining walls, drains and other areas may require further investigation before the complete repair scope can be agreed.

Can I claim for damage to a boundary wall or gate?

Buildings insurance may cover damage to walls, gates, fences and other boundary structures, depending on your policy wording. We can review your policy and help establish what forms part of the claim.

Does home insurance cover impact from a fallen tree?

Damage caused when a tree or branch falls onto an insured part of your property is commonly covered, although the exact section of the policy and any cover for removal costs will depend on the wording.

Can I arrange emergency repairs before my insurer visits?

Reasonable work may be needed immediately to keep people safe or prevent further damage. Take photographs beforehand where safe, retain invoices and avoid unnecessary permanent repairs until the insurer has had an opportunity to inspect.

Can I claim for alternative accommodation?

Your policy may cover suitable temporary accommodation if impact damage makes your home unsafe or uninhabitable. We help present the need, likely duration and reasonable costs as part of your impact insurance claim.

Do you handle impact damage insurance claims in my area?

RSL Claims provides claim help across the North West of England and North Wales, including Liverpool, Wirral, Manchester, Warrington, Chester, Wrexham and the surrounding areas.

Get in touch

Free, no-obligation consultation on your impact damage claim.

Tell us briefly what happened and we’ll come back to you as soon as possible. If we can help, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction. We cover the North West of England and North Wales – and travel further than 100 miles when a claim warrants it.