Term Life Insurance Policy Cover
Most term life insurance policies cover you for damage to outside pipes and for any services connected to your house for which you are legally responsible. Some do not. Check your policy before claiming. If you think that you might run into problems on any of these counts you should consider appointing your own loss assessor. Before doing this you should speak to the building society or insurance broker with whom you arranged the policy. A loss assessor will draw up a claim on your behalf and deal with the negotiations with an insurance company. He will take a percentage of the settlement - 10 per cent being the market norm.