Why More Homeowners Choose All Property Claims.
Our Promise to Clients
1.
We Never Accept Premature Cash Settlements
2.
We Help Clients Escalate to the Financial Ombudsman Service If Insurers Treat Them Unfairly
3.
We Manage Reinstatement Directly, Ensuring True Pre-Loss Condition.
Has Your Insurer Let You down?
In 2025, consumer champion Which? filed a super-complaint to the Financial Conduct Authority (FCA), demanding action against poor treatment of policyholders in the home and travel insurance markets.
The complaint exposes a pattern of slow claim handling, unclear policies, and unfair settlements – leaving many people underpaid or ignored when they need their insurer most.
“Too many people are being let down by insurers when they need them most.” – Which? 2025
What the Which? complaint revealed
According to reports from The Independent and ITIJ, Which? found widespread consumer harm, including:
Delays in claim settlements and responses
Low payout rates – some insurers approve just 63 % of home insurance claims
Unclear exclusions that reduce or deny cover
Cash offers instead of proper reinstatement or repairs
Stressful, confusing claim processes
This super-complaint calls for urgent FCA action to ensure insurers are transparent, accountable, and fair.
How All Property Claims can help
Rather than juggling specialists yourself, we do it for you. We offer a complete end-to-end claims and reinstatement service for busy homeowners who want a stress-free process, supported by accredited drying and FCA-regulated claims management.
We are independent loss assessors – we represent you, not the insurer – and manage the entire claim on your behalf to secure a fair and full settlement.
But unlike many loss assessors, we go a step further: once your claim is approved, we also undertake the full building repairs using our trusted, qualified contractors.
You deal with a single point of contact from start to finish. No chasing multiple trades, no confusion, and complete peace of mind that the work will be completed professionally, on time, and we work to a high professional standard.
And best of all, our service is completely free to consumers.
Drying
Insurers often try to save on drying costs by suggesting a property will dry naturally. We ensure drying is carried out correctly with proper moisture targets and full reports.
We’re paid directly through the insurance claim settlement – there are no upfront or hidden fees. You get professional claim management, expert reinstatement, and support throughout the process, at no cost to you.
Our services include:
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- Policy review & advice – Clear explanation of your cover and entitlements
- Claim preparation & management – We gather evidence, submit paperwork, and handle all correspondence
- Negotiation with insurers & loss adjusters – Ensuring the settlement fairly reflects the cost of necessary repairs
- Full property reinstatement – We manage and complete all approved building repairs, from minor works to full rebuilds
- Appeals & disputes – Challenging low or unfair offers through the correct channels
You can read more about our specialist claim services:
Why this matters now
The Which? complaint reinforces what many homeowners already experience – insurers don’t always act in your best interests.
By working with All Property Claims, you gain a professional advocate who ensures your claim is handled fairly, efficiently, and transparently.
With us, you can expect:
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- Faster resolution and clear communication
- Fairer payouts that reflect true repair and rebuild costs
- Full management of paperwork, negotiation, and reinstatement
- Peace of mind knowing your interests come first
Financial Ombudsman Service (FOS)
Where an insurer does not treat a customer fairly, APC is able to escalate the matter to the Financial Ombudsman Service for independent review.
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ICOBS Rule 8.1 requires insurers to handle claims “Promptly and Fairly”.
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Where this does not happen, APC acts on behalf of clients to secure fairer outcomes.
Examples of successful outcomes APC secured through FOS:
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Lloyds Bank GI ordered to increase settlement & pay compensation – Case outcome
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Ageas ordered to contribute towards undamaged kitchen – Case outcome
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Ageas ordered to cover undamaged flooring – Case outcome
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AXA ordered to increase settlement & pay compensation – Case outcome
Fair Outcomes
All Property Claims believes that homeowners deserve to be treated fairly when making an insurance claim. Too often, insurers rely on complex policy wording and technical exclusions to limit payouts.
A Which? investigation highlighted how confusing and inconsistent home insurance cover can be. Out of 78 home insurance policies reviewed, just three in ten buildings policies and a quarter of contents policies included full cover as standard. 31% of surveyed policyholders believed their insurance covered anything that wasn’t their fault, while 64% thought most insurance policies offered similar levels of protection, demonstrating a worrying lack of transparency in the market.
By reviewing each client’s policy in detail, the team at All Property Claims ensures every legitimate entitlement is pursued and every loss is accounted for. The team’s in-depth knowledge of insurance policies and the various types of claims enables them to identify discrepancies early, ensuring insurers meet their full obligations under the policy terms.
How We Differ From Traditional Loss Assessors
Traditional loss assessors typically handle negotiation only, leaving homeowners to arrange their own repairs once the claim is approved. All Property Claims offers far more.
As a full-service, FCA-regulated company, All Property Claims not only manages the entire claim but also carries out the reinstatement works using trusted, vetted contractors. This end-to-end process ensures accuracy, accountability, and the highest quality outcome.
As highlighted by Which?, “The FCA raised concerns in its claims handling report that some firms may be offering cash to curtail their own costs, rather than pursuing the option that is in the best interests of their customers.” At All Property Claims, we stand firm against such practices, ensuring that our clients never settle for less than they deserve.
By staying involved from the first call to the final repair, All Property Claims removes stress, safeguards fairness, and provides true value where homeowners need it most.
Customer Testimonials
Lara – October 2025
★★★★★
All Property Claims is unlike any other company I’ve used before. Their support is second to none, especially when dealing with insurance issues. I’ve never regretted using them; they’ve been absolutely invaluable. Their tradespeople are professional, efficient, and complete work…
Eloise – September 2025
★★★★★
I can’t thank All Property Claims enough for their outstanding service. After experiencing a devastating flood, they guided me seamlessly from the chaos to resolution. Their expertise, dedication, and support made all the difference in restoring normalcy. Highly recommend!
Matteo B – April 2025
★★★★★
Allpropertyclaims was instrumental in ensuring the damage from a leak was properly assessed, investigated and repaired. They were really supportive throughout the lengthy process of dealing with the insurance, and took the lead in dealing with a particularly challenging…