Insurance - Solihull Community Housing

Solihull Council, on your behalf, arranges the buildings insurance cover of your property. This insurance represents the full rebuilding costs of your building.

You are obligated to pay this as one of the conditions of your lease agreement and the annual premium forms part of your service charge.

It is your responsibility to make an insurance claim if you believe that any maintenance charges should be covered by the policy.

You will need to arrange your own contents insurance for your household contents/personal belongings.

Building Insurance is provided by Protector Insurance. In the event of having to report a claim, please contact Protector directly on the following.

Business hours (9am – 5pm) Monday to Friday on a dedicated claim line 0161 823 1912
For calls made outside of office hours, please dial the above number and your call will be redirected to the out of hours office.
Email via protectorclaims@uk.sedgwick.com

The policy number is 3148006

Property Claims

All new property claims can be telephoned through to your dedicated claims line: 0161 274 9077 or emailed to claims@protectorinsurance.co.uk or via our website https://protectorinsurance.co.uk/

The Leaseholder should contact Protector at the earliest opportunity following a loss, and should provide all information necessary such as:

Cause of damage
- Has the cause been rectified, for example if there is an escape or water or water ingress, has the water been stopped?
- Is the property secure?
Description of damages
- How many rooms have been affected?
- Areas of damage – such as walls, ceilings, décor or flooring.
- Photos of damages where possible.
- Details of any contents, stock, Money or other damages.
Date of Loss
Is the property Tenanted?
- Is the property suitable for use?
Are there any losses in respect of rent or business interruption to be considered?
Are there any third parties responsible for the damage (We will require their details to investigate a potential recovery).
Any crime reference numbers or emergency service details to be provided where applicable.

Policyholder to provide all relevant contact details at day one for ongoing communications.

Our Suppliers

Belfor UK – Disaster Restoration and Reinstatement (end to end)
Sedgwick UK – Loss Adjusting and Validation Services

Claims Validation

All claims are screened by Protector claims handlers against an extensive list of validation indicators upon receipt. Where validation concerns are identified and the indicators are completed, the claims are passed to Protector’s dedicated in-house validation team for further scrutiny and strategy planning.

Where Protector has third party validation concerns and wishes to instruct specialist investigator(s) for profile report(s), surveillance etc., Protector will advise the insured of the course of action and the insured will be responsible for the fees of the specialist investigators if the cost falls within the policy deductible. Protector reserves the right to instruct one of its panel investigators or specialist panel solicitors to conduct the above listed investigations.