Your partner for premium building reinstatements

• If you appoint Paddl to manage your property claim, Paddl will appoint authorised tradespeople to undertake your reinstatement works to the highest of standards. In this instance there is no fee.
  • If you wish to opt for a cash settlement a small percentage of the claim value will be agreed as part of Paddl's fee.
  • If your insurance policy has an excess, we will invoice this amount to you directly once the claim is agreed with your insurer and before repair work begins.

No you don't. Paddl offers a comprehensive contractor offering. All contractors are vetted, monitored, project managed and held to the highest of standards. If you don't wish to opt in for Paddl to reinstate your property, a commission fee will be transparently agreed before the claims process begins.

• Insurers can reject property claims. Common reasons include: policy exclusions (e.g., flood damage not covered), non-disclosure of material facts (e.g., undeclared pre-existing damage), breach of policy conditions (e.g., failure to maintain the property), or fraudulent claims. If the claimed damage falls outside the policy's scope or terms, the insurer has grounds for rejection.
  • Paddl will review your policies with you to understand your cover in detail and where applicable, Paddl will provide professional representation to fight any objections from your insurer.

No, Paddl will not charge for any claims rejected by the insurer. If your property has required emergency works before a claims process has begun and the subsequent claim is refused, these works are chargeable.