Check If Your Property Damage
May Be Covered
Upload your insurance policy and damage photos for a fast, free claim check and report. Our system analyses the information and explains possible coverage and recommended next steps.
Use the Claim Checker Now
Complete your free property damage claim check directly below. Takes about 2 minutes — no obligation.
Secure & encrypted · Free · No obligation to proceed
A Fast, Free Way to Understand Your Insurance Position
The Vantage Property Damage Insurance Claim Checker is a free online tool that helps homeowners understand whether their property damage may be covered under their home insurance policy.
Many homeowners are unsure whether to make a claim, worried about the process, or have already had a claim rejected and don't know what to do next. The claim checker gives you a clear, plain-English report in minutes — so you can make an informed decision.
It is not a substitute for professional legal or insurance advice, but it is a powerful first step that can save you time, money and stress.
Fast Free Claim Check & ReportFree Report
Delivered instantly
~2
minutes
All Property Damage Claim Types Covered
The claim checker works for all common household insurance claim types.
Water Escape
Burst pipes, leaking appliances, hidden leaks
Flood Damage
Surface water, river flooding, storm surge
Drain Collapse
Collapsed or damaged underground drainage
Storm Damage
Wind, hail, fallen trees, roof damage
Fire Damage
Fire, smoke and heat damage to property
Subsidence
Ground movement, sinking foundations
Structural Damage
Cracks, wall movement, structural failure
All Other Claims
Any household insurance claim type
Four Simple Steps to Your Free Report
The entire process takes about 2 minutes. No phone calls required, no waiting, no obligation.
Upload Your Documents
Securely upload your insurance policy document and photos of the property damage. All file types accepted — PDF, JPG, PNG.
Your documents are encrypted and handled securely. We never share your information with third parties.
Document Review
Our system reviews your policy wording against the damage you have described and the evidence you have provided.
The review checks coverage clauses, exclusions, excess levels and relevant policy conditions.
Receive Your Report
You receive a clear, plain-English report explaining possible coverage, likely next steps and whether a loss assessor could help.
The report is delivered instantly and includes a summary of findings and recommended actions.
Expert Follow-Up
If the report indicates a viable claim, our loss assessor team can contact you to discuss taking the claim forward — at no upfront cost.
No obligation. You decide whether to proceed. No win, no fee applies if you choose to use our loss assessor service.
Takes about 2 minutes · No obligation · Secure document upload
What Your Claim Check Report Includes
Your report is written in plain English — no jargon, no confusing insurance terminology. It gives you a clear picture of where you stand and what to do next.
- Whether your damage type appears to be covered under your policy
- Key policy clauses and conditions relevant to your claim
- Any exclusions that may apply and how to address them
- Estimated claim viability based on the information provided
- Recommended next steps to progress your claim
- Whether professional loss assessor support is recommended
Sample Report Summary
Example output — your report will reflect your specific policy
Your policy appears to include Escape of Water cover. The damage described is consistent with a covered event.
Recommended Next Step
Contact your insurer to register the claim. Consider using a loss assessor to ensure the full extent of damage is properly documented and valued.
Who Is the Claim Checker For?
The tool is designed for any homeowner who has experienced property damage and is unsure about their insurance position.
Unsure Whether to Claim
You have damage but are not sure if it is covered, or whether making a claim is worth it given your excess level.
Claim Already Rejected
Your insurer has rejected your claim and you want to understand whether the decision was correct or can be challenged.
Claim Taking Too Long
Your claim has been accepted but the settlement is taking too long or the offer seems lower than expected.
Confused by Policy Wording
You have read your policy but cannot understand whether your specific damage type is covered under the terms.
Recent Property Damage
You have just experienced damage — flooding, a burst pipe, storm damage or a drain collapse — and need to act quickly.
Considering a Loss Assessor
You want to understand your claim potential before deciding whether to engage a professional loss assessor.
Check If Your Property Damage May Be Covered
Upload your insurance policy and damage photos for a fast free claim check and report. Our system will analyse the information and explain possible coverage and recommended next steps.
Fast Free Claim Check & ReportTakes about 2 minutes · No obligation · Secure document upload
Frequently Asked Questions
Everything you need to know about the free claim checker.
Related Services & Advice
Explore our loss assessor services and insurance claim guides.
Ready to Check Your Claim?
It takes about 2 minutes. Free, secure and no obligation.