Incidents

We often make sure our homes are insured against fire or natural disasters, but rarely do we consider that damage can also come from other people. Have you thought about what happens if someone drives into your fence or crashes into the corner of your house? Such damage can be covered by your insurance company, but it must be included in your insurance policy. Our team is ready to efficiently restore any damage caused to your property.

Frequently Asked Questions (FAQ) after an Incident

When can I contact TuriuŽalą.lt about the property damage claims process?

You can register a claim as soon as you receive the claim number from your insurance company.

Does insurance cover damage if my neighbor damages my property?

Yes, compensation may be possible, but it depends on the type of insurance used. If you have home insurance, compensation will be paid only if the damaged object (e.g., a fence) is listed in the insured property. If the damage was caused by a vehicle, losses may also be covered under the responsible party’s liability insurance (in such cases, depreciation of materials is applied). We recommend documenting the incident with photos as soon as possible and informing your insurance company.

What if cracks appear in windows or walls due to building movement?

After a professional assessment, insurance may cover the repair costs if such structural damage is included in your policy.

Does insurance cover damage if a wall cabinet or shelf falls in my home?

Yes, provided such incidents are included in your insurance terms.

How quickly should I notify my insurer after an incident?

Ideally within 1–2 days of the event.

Do I need a police report to receive insurance compensation for an incident?

If the incident involves third parties, a police report may be useful. Your insurance company will advise you if it’s required.

How should I document the damage to speed up insurance compensation?

Take photos or videos of the damage, carefully record the affected items, their value, and the circumstances of the incident. This information helps the insurer process your claim faster.

Will insurance cover damage if a pipe or radiator bursts in my home?

Yes, most property insurance policies cover water damage caused by plumbing system failures (if included in your policy).

What if a power surge damages my home appliances or electronics?

If a power surge damages household or electronic devices, notify your insurer. Many insurance policies cover such losses if you have additional protection against electrical risks and fluctuations.

What should I do if someone else’s pet damages my property?

First, document the incident and inform the pet’s owner. Insurance may cover such damage if it’s included in your policy.

Will I be compensated if vandals damage my property?

Most property insurance policies cover vandalism. In such cases, notify both the police and your insurer immediately to ensure the incident is properly documented.

What to do?

Call 112 right away to report the emergency.

Leave the site untouched.

Take photos of the damage if you can.

Notify your insurance company and TuriuŽalą.lt experts right away. We’ll make sure the damage doesn’t get worse and that you receive timely help.

Incident Damage Management Process

It all starts with a request

The property owner reports the damage to their insurance company to obtain a claim number. Once received, the incident is registered through our online self-service system.

Damage assessment via photos

With your consent, we assess the damage in line with your insurance policy.

Temporary housing and urgent assistance

If needed, we help arrange temporary housing. In urgent cases, we quickly step in to remove water or repair damaged electrical installations.

On-site damage assessment

Our team visits the property, evaluates the damage, measures moisture levels, and takes photos.

Material and color selection

Before restoration, we work with you to select the necessary materials and colors, ensuring they match your preferences.

Drying the premises

If required, we carry out professional drying of the property to prevent further damage.

Inspection report

We prepare an official inspection report and send it to the insurance company.

Preparation for repair works

We draft cost estimates, coordinate them with you and the insurer, order materials, schedule the work, and set timelines. If needed, we carefully store your belongings (documented with photos, with smaller items packed in boxes). If disagreements arise with the insurance company over the loss amount, we defend your interests.

Repair Process

Restoration works

We begin the restoration by dismantling damaged areas, taking photos, and documenting all identified issues.

Completion of works

Once the repairs are finished, you confirm the quality of the completed work and sign an acceptance report, which we then submit to the insurance company.

Report a Claim

FAQ