Insurance Claim Writer
Describe what happened. Get a clear, factual claim narrative, plus a checklist of what to check before you submit it.
New to this? Read the guide.
What it produces
Real output from this tool, not a mock-up.
What went in
- What happened, when, and what was lost or damaged
- A pipe burst under the kitchen sink overnight on 3 August, found about 6.30am. The kitchen floor is engineered wood and has lifted across about 18 square metres. The bottom two cabinets are swollen and the kickboards have gone. Water got under the wall and about 2 metres of hallway floor is damaged. The dishwasher was standing in water and does not turn on. We turned the stopcock off and called an emergency plumber who replaced a section of pipe, 240, invoice held. Photos before and after. Nothing thrown away.
- Policy or claim reference
- Policy HH-4471-882, reported by phone on 3 August
- Already reported to anyone
- Reported to the insurer by phone on 3 August. Emergency plumber attended and provided an invoice and a note of what failed.
Claim narrative
On the morning of August 3, we discovered a burst pipe under the kitchen sink at approximately 6:30 am. The pipe had been leaking overnight, so water had been running for several hours before we found it. The engineered wood flooring in the kitchen has lifted across most of the room, an area of about 18 square meters. The bottom two kitchen cabinets are swollen and the kickboards have come off. Water also traveled under the wall into the hallway, damaging approximately 2 meters of hallway flooring. The dishwasher was standing in water during the leak and no longer turns on. We turned off the stopcock ourselves and called an emergency plumber, who arrived at 8:00 am and replaced a section of pipe. This cost 240 [confirm currency] and we have the invoice. Nothing damaged has been thrown away. The property is a 1930s semi-detached house where we have lived for 6 years. We reported the incident to the insurer by phone on August 3 at approximately 9:00 am, under policy number HH-4471-882. A claim reference number has not yet been issued. This was not reported to the police, as it was not considered necessary. The emergency plumber who attended has provided an invoice and a note describing what failed. We have photos of the damage taken both before and after the plumber's visit. [This is a first draft. Review every fact above for complete accuracy before submitting it as part of a real claim.]
Before you submit
- Confirm the claim reference number once the insurer issues one and add it to the form
- Confirm the currency and exact amount on the plumber's invoice (240) before submitting
- Attach the plumber's invoice and any written note on what failed
- Attach the before and after photos of the kitchen floor, cabinets, hallway floor, and dishwasher
- Get a repair estimate or quote for the flooring, cabinets, and dishwasher if the insurer requires one
- Review every fact in the narrative above for complete accuracy before submitting
When to use it
Use this when you need to describe what happened for an insurance claim and want it factual, dated and complete. Insurers pay on evidence and clear sequence, not on how upset you were, and the checklist covers what to gather before you submit.