Fire and smoke damage
Damage to the building, fit-out and contents after a fire.
Insurance claims settlement · UAE
Home and property insurance claims.
A fire, a water leak or a break-in, and now the insurer has rejected the claim or offered far less than the damage. We review your case for free, document the loss properly and follow the complaint until there is a decision.
- Free eligibility review
- Homes, shops and warehouses
- Arabic and English
- Offices in 3 emirates
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Preview only: this form does not send requests yet.Why are property insurance claims rejected or reduced?
Property claims are usually refused or cut because the insurer disputes the cause of the damage, says it falls under an exclusion such as gradual wear or poor maintenance, finds the property underinsured, or values the contents lower than the owner. A clear record of what was lost, what it was worth and how the damage happened is what moves these claims forward.
Common situations
Property claims we handle
These are the property cases clients bring to us most often.
Water leaks and flooding
Burst pipes, AC leaks or rain damage the insurer disputes.
Theft and break-ins
Stolen contents or damage after a burglary.
Building and fit-out
Damage to walls, ceilings, floors and fixed installations.
Underinsurance cuts
The payout reduced because the sum insured is said to be too low.
Shops and warehouses
Stock and equipment losses for small businesses.
What we do
What we do for your property claim
We build an inventory of the loss and a clear account of what happened.
- Review the policy, sums insured and exclusions
- Read the loss adjuster's report and the insurer's reason
- Build an itemised list of lost and damaged items
- Collect photos, invoices and repair quotes
- Answer cause-of-damage and maintenance objections
- Draft the complaint to the insurer
- File with the Sanadak unit if it is not resolved
- Follow up until a decision
An itemised loss list with values and evidence is the single most useful document in a property claim. We help you build it.
Documents
Documents for a property insurance complaint
The policy
- Policy wording and schedule
- Sums insured for building and contents
- Tenancy contract or title deed
The loss
- Photos and videos of the damage
- Invoices or proof of ownership
- Repair quotes
Reports and answers
- Police or Civil Defence report
- Loss adjuster's report
- The insurer's letter and correspondence
Also useful
- Building management or maintenance records
- Bank statements for purchases
- Contractor reports on the cause
How it works
How we handle your claim
- 01
Free eligibility review
Send your policy and the insurer's reply. We tell you if you have a case and what is missing.
- 02
We prepare the file
We collect the evidence, organise the documents and draft a clear, well-argued complaint.
- 03
We file and follow up
We raise it with the insurer first, then with the Sanadak unit if it is not resolved.
- 04
Decision, or appeal
You get updates until the decision is issued, and we prepare your appeal if you need one.
The complaints route
Two stages, and we prepare both
Stage 1
Complaint to your insurer
The insurer must first get the chance to resolve your complaint, usually within 30 calendar days. A complete, well-documented complaint at this stage often settles the case.
Stage 2
The Sanadak unit
If the insurer does not resolve it, or you disagree with its answer, the complaint goes to the Sanadak unit, the official complaints body set up by the Central Bank of the UAE. Filing is free for consumers. Insurance disputes normally go here before court.
If you need to appealBefore you file
Before you file a property insurance complaint
- Photograph everythingTake photos before cleaning up or repairing, where it is safe.
- Get the official reportPolice or Civil Defence reports are often required.
- Read the adjuster's reportAsk for a copy. It usually explains the insurer's position.
- Do not discard damaged itemsKeep them until the insurer or adjuster has seen them, if you can.
Why Saadatak
Claims specialists, not a general typing centre
- We know why claims get rejectedWe check your file for every common reason before it goes in.
- The right papers, the first timeFewer requests for more information, fewer delays.
- Clear fees before we startThe first review is free, and you get a written quote before any work begins.
Property insurance claims: frequently asked questions
My home insurance claim was rejected. What can I do?
Ask for the reason in writing, then complain to the insurer with evidence that answers it. If it is not resolved within about 30 days, the complaint can go to the Sanadak unit. We prepare both stages.
The insurer says the damage was gradual. Is that an exclusion?
Many policies exclude gradual wear or poor maintenance. Whether it applies depends on how the damage actually happened, which is often a matter of evidence.
What is underinsurance?
If the sum insured is lower than the real value of what is insured, some policies reduce the payout in proportion. We check whether it was applied correctly.
I do not have receipts for my belongings. Can I still claim?
Often yes. Photos, bank statements and product listings can support ownership and value.
Is there a deadline?
A complaint can generally be filed within three years of the event, or two years from when you became aware of it, whichever is longer.
How much does your service cost?
The first review is free. Our fee is confirmed in writing before we start.
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