Occupier or Policy Holder

Our expert construction team will guide you through each stage of the reinstatement process, ensuring all works to your home meet the highest standards

At Certus, we understand the emotional and practical impact that damage to your home and personal belongings can have. Some items hold sentimental value and may be irreplaceable, which is why we approach every project with empathy, care, and a strong commitment to supporting you through a difficult time.

While we may not be able to replace personal possessions, we recognise how important it is to restore your property to the highest standard. Our priority is to return you home as quickly and efficiently as possible, helping you get back to normal life.

We also appreciate the significant disruption that refurbishment works can cause—particularly when you remain in the property during the process. We aim to minimise inconvenience at every stage, maintain clear communication, respect your home, and where possible complete works with minimal intrusion.

With Certus, you can be assured of a professional, respectful, and customer-focused approach throughout the entire restoration journey.

Your Claim Journey

Initial Assessment Survey

In many instances, our qualified building surveyors visit and carry out detailed inspections of the damage at your home.

Specification & Planning Works

We prepared detailed specification and liaise with your insurance company directly to agree the extent of works required to repair your home.

Customer Choices & Finishes

Our customer services team engage with you to agree final design choices, including kitchen and bathroom design and decorative finishes.

Project Management

Our team oversee the entire project, with our own employed tradesmen. This gives added confidence as we can control each stage of reinstatement, removing delays often associated with using lots of different contractors.

Final Sign Off

Once all work is complete, we visit your home for a final inspection and sign off, confirming that the property is fully reinstated and ready for you to occupy.

Why choose Certus Construction?

Insurance Knowledge

We have experience engaging with insurers. We can therefore guarantee that all work complies with your policy and is completed to the highest standard.

Taking Care of Your Possessions

We know that damage to your home can be stressful, but our team are here to help. You may have many valuable items which require safe storage. We provide boxes for you to pack in advance of your move and we protect belongings whilst repairs are carried out.

Regular Communication

Our customer services team ensure that you are kept up to date with the project. The team can arrange for regular visits to the property to discuss how the work is progressing.

Hassle-Free Service

We take the stress out of reinstatement, managing every aspect of the project so you don’t have to.

Frequently Asked Questions

Will I be able to access my home during the works?

No. Unfortunately, you will be unable to freely access your home whilst the work is in progress due to health and safety laws. However, you can contact our team who will be able to arrange joint access in order for you to see the progress of the works.

What about policy excess?

Certus may be required to take payment of the policy excess. Please note that no reinstatement works can commence until policy excess has been paid.

How long will the work take?

This is dependent on the extent of works to be undertaken. We will discuss this with you and agree a completion date prior to the works commencing. We will keep you updated throughout the project.

Will you be using my gas, electric and water?

Yes. Supplies will be required throughout the building works. Some insurers allow policy holders to be reimbursed for the cost as part of the claim. Please confirm with your insurance company.

Will you provide separate facilities?

Yes. We will ensure that adequate temporary facilities are provided for our team during the works.

Will my home be kept secure?

Yes. We have experience working in empty properties and we will provide adequate security.

Do I need to maintain my insurance cover?

Yes. You need to maintain your insurance cover and notify your insurer that the property will be empty for a period of time and that building works are being carried out within it.

Can I choose my own fittings and decorations?

Yes. Our customer service team will contact you to confirm your choices. This will include kitchen and bathroom layout and fittings, finishes such as wall and floor tiling and decorative finishes, such as wallpaper and paint.

Who is dealing with my contents claim?

We deal with the building and reinstatement part of the claim only. If you are covered for contents, this will be dealt with separate to the work we undertake. Please refer to your insurer.

Can I request an upgrade or carry out private works?

Yes, in some cases. Policyholders often take the opportunity to upgrade their home while the insurance reinstatement works is being undertaken. We can discuss the feasibility of this with you and provide a cost estimate for the works. However please note it is our company policy that any additional works must be paid for in full prior to the works commencing.

Who is responsible for health and safety within my home?

We are. We are responsible for health and safety at the point the project begins. Some of the works are extensive and could present a risk, therefore access to your home throughout the works will be controlled.

Is the work guaranteed?

Yes. This will depend on your insurance policy, however generally, work is subject to a minimum six-month defect period. We will also provide all product guarantees and certificates where appropriate.

Insurance repairs & reinstatements

Planned capital works & voids

Disabled adaptations