Insurance reinstatement & property repairs in London
We welcome insurance reinstatement and property-repair enquiries following damage across London and surrounding areas. An agreed repair schedule defines the interior construction work and keeps optional improvements separate from the claim scope.
Illustration of a moisture meter, a plaster sample, a skirting offcut and a dust sheet. Not a photograph of a Vayton project.
Start with the agreed repair information
The proposed work should reflect the condition of the property and the repair scope supplied by the owner, appointed adviser or insurer. Send any relevant survey, investigation or drying information you have. We need to understand the cause of damage and any prerequisite work before a reinstatement programme is agreed. Insurance cover and claim decisions stay with the insurer.
What to send with your enquiry
Provide the property postcode, photographs of the affected areas, the repair schedule and any supporting reports. State whether the property is occupied and whether there are access restrictions. If you also want improvements beyond the repair scope, identify them separately so they can be considered as distinct quotation items.
Escape of water is one of the most common home insurance claims in the UK. Before anything is rebuilt, the leak has to be fixed and the structure dried, and a drying company may log moisture readings until the walls and floor are ready. Plasterboard ceilings that have sagged or stained usually come down and are replaced, while solid plaster can sometimes dry out and be repaired. Floors, skirting and kitchen units that stood in water are checked for swelling before anyone decides to reuse them. Our guide to painting a ceiling after a water leak explains when a stain can be sealed, and our ceiling repairs page covers the rebuild.
Fire and smoke damage
After a fire, the insurer or loss adjuster normally brings in specialists to clean soot and remove smoke odour before reinstatement starts. Charred joists, studs and ceilings need a structural check, and a registered electrician should test any wiring near the fire. Once that is done, we rebuild walls and ceilings, refit kitchens and bathrooms and redecorate to the agreed schedule. If structural repairs are needed, the schedule should say who designs them and whether building control is involved.
Can I choose my own builder for an insurance claim?
Often you can, but read your policy and speak to the insurer or loss adjuster first. Some insurers prefer their own repair network, while others agree a cash settlement or accept a quotation from a contractor you pick. If you bring us in, we price the agreed repair schedule line by line so the adjuster can check it against their own figures, and we show any improvements you want as separate items that you pay for yourself.
Before you enquire
Can you prepare a quotation for an insurance repair scope?
Yes. Send the repair schedule and supporting information for review. A construction quotation describes the proposed work. It does not confirm that an insurer will accept a claim or pay for that work.
Can upgrades be included alongside repairs?
Requested improvements can be considered separately from reinstatement. Keeping them distinct makes the quotation clear and avoids assuming that additional work is part of an insured repair.
Can work start immediately after the damage occurs?
Timing depends on the property’s condition and any investigation, drying or other prerequisite work. We need to review these and the agreed scope before confirming a start date.