Photograph everything, early
The record you make on day one is the one that counts.
An incomplete file, a missed deadline, and correspondence nobody kept a record of.
The strength of a claim is the strength of its file. Photographs taken systematically on day one are worth more than any argument made six months later from memory.
Deadlines decide the rest. Policies put duties on the policyholder with time limits attached, and those are the quiet reasons claims fail — not because the loss wasn't covered.
Then it's persistence. Claims that nobody follows go quiet, and a dated log of every exchange is what turns a stalled claim back into a moving one.
The record you make on day one is the one that counts.
Policy duties have dates attached. Missing one is fatal.
Licence number on file. No guarantee of any outcome.
A free first review of the loss and the policy, with no obligation.