Posted 8th July 2026
Your claim outcome
- 01 Claim rejected The insurer has refused all or part of your claim. →
- 02 Settlement too low The offer does not appear to reflect the insured loss. →
- 03 Claim delayed or stalled Progress has slowed, stopped or remains unresolved. →
- 04 Underinsurance reduction The insurer has reduced the claim using underinsurance or average. →
The insurer's reason
- 05 Non-disclosure alleged The insurer says important information was not disclosed. →
- 06 Policy exclusion applied An exclusion is being relied upon to refuse or restrict cover. →
- 07 Fraud allegation The insurer alleges dishonesty, exaggeration or a fraudulent claim. →
- 08 Wear & tear The insurer says deterioration rather than an insured event caused the damage. →
Property damage
- 01 Flood & storm damage Severe weather, roof damage, flooding, causation and repair scope. →
- 02 Escape of water & leaks Burst pipes, hidden leaks, trace-and-access, drying and reinstatement. →
- 03 Fire & smoke damage Fire cause, smoke contamination, rebuilding and settlement disputes. →
- 04 Subsidence & ground movement Cracking, foundations, trees, monitoring, causation and repair proposals. →
Theft, vehicle & other
Property & financial loss
Liability & specialist cover
Insurance companies
Claims handlers & PI insurers
- 05 Sedgwick Loss adjusting, claims management, reports and settlement positions. →
- 06 Crawford Technical reports, causation, valuation and complex loss disputes. →
- 07 Travelers Professional indemnity notification, coverage, defence and indemnity. →
- 08 Beazley Professional liability, pre-claim, defence and complex coverage issues. →
Before you submit
- 01 Financial Ombudsman overview Understand the complaint route, eligibility and where FOS may fit. →
- 02 Before you submit to FOS Build the chronology, evidence, disputed issues and requested outcome first. →
- 03 Resolve an insurance dispute Understand the insurer's decision, alternatives to FOS and which route may be strongest. →
Existing complaint & intelligence
- 04 Challenging a FOS decision Review an existing or unsuccessful complaint and consider the available routes. →
- 05 FOS Insurance Outcomes Monitor See current FOS outcome data, identify your stage and review what may remain. →
- 06 Insurance Claims Intelligence Explore FOS outcomes, FCA claims data, insurer intelligence and current dispute trends. →
- 07 Revisit the underlying insurer dispute Return to the policy, insurer reasoning and evidence that created the complaint. →
About Insurance Dispute Service
- 01 About IDS Our purpose, founder-led approach, regulatory position and standards. →
- 02 How we help How we assess a dispute, test the evidence and explain the available routes. →
- 03 Publications Specialist IDS publications covering difficult, rejected, underpaid and disputed insurance claims. →
- 04 Insurance dispute resolution Our broader approach to resolving an insurer disagreement strategically. →
Legal & professional support
- 05 Barristers & litigation Direct access, litigation support and specialist legal escalation where appropriate. →
- 06 Professional referrals Support for solicitors, advisers and professionals referring a client matter. →
- 07 Contact our team Speak to Insurance Dispute Service in Shrewsbury about a claim or enquiry. →
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