Leaseholder Insurance Claims Guide: Westminster City Council for Harford House
Welcome to your comprehensive guide on buildings insurance for Westminster City Council (WCC) leaseholders at Harford House, 35 Tavistock Crescent, London W11 1AY, including flats like 1a. The council provides insurance for the building, with costs included in your service charge. As of the 2025 policy (effective 1 April 2025 to 31 March 2026), the policy is with Protector Insurance (Policy Number: 3120763). This covers the physical structure, communal areas, and permanent fixtures (e.g., kitchen units, bathroom fittings, fixed flooring) but not contents like furniture or electronics—arrange separate contents insurance for those. Excess amounts are £250 for most claims and £1,000 for subsidence. Use this guide for responsibilities, claims process, and contacts to ensure smooth handling for your property.
For urgent claims or emergencies (e.g., major damage), contact Sedgwick at 0161 249 7727 (office hours 9am-5pm; calls redirected out-of-hours). For non-urgent queries, follow the steps below.
Policy Details for Harford House Leaseholder Insurance
Insurance Provider: Protector Insurance
Policy Number: 3120763
Effective Period: 1 April 2025 to 31 March 2026 (renewed annually)
Coverage: Building structure, communal areas, and permanent fixtures; excludes contents, personal items, and terrorism.
Excess: £250 for general and accidental damage claims; £1,000 for subsidence.
For full policy terms, download the 2025 summary: Leaseholder Summary of Cover WCC 2025 or the wording: Leasehold Policy Wording.
Your Responsibilities as a Harford House Leaseholder
To maintain valid coverage under the Westminster leaseholder insurance policy for properties like 1a Harford House, follow these key responsibilities:
Take reasonable steps to prevent loss or damage (e.g., secure doors and windows).
Maintain your property in good condition to avoid preventable issues.
Notify the insurer promptly if an incident occurs that may lead to a claim—provide details within 30 days (or 7 days for riots, civil unrest, theft, or malicious damage).
Report theft, malicious damage, or riots to the Police immediately and obtain a crime reference number.
Failure to comply could affect claim validity. Check our Leaseholder Responsibilities page for more on your duties.
How to Make a Claim on Westminster Buildings Insurance
To file a claim under Policy 3120763 for Harford House (including 1a, 35 Tavistock Crescent, W11 1AY), contact Sedgwick International UK, the council's appointed claims handlers and loss adjusters. They specialize in managing claims efficiently on behalf of Protector Insurance.
Contact Details for Sedgwick International UK
Phone: 0161 249 7727 (9am-5pm Mon-Fri; redirected out-of-hours)
Postal Address: Sedgwick International UK, Oakleigh House, 14-16 Park Place, Cardiff CF10 3DQ
Provide the policy number (3120763) and your address (e.g., 1a Harford House, 35 Tavistock Crescent, London W11 1AY) when contacting them. For updates or forms, visit WCC Insurance Page.westminster.gov.uk
Important Steps in the Leaseholder Insurance Claim Process
Follow these steps for a successful claim, tailored for Harford House residents in W11. Gather evidence early to speed up processing.
| Step | Description | Tips |
|---|---|---|
| Report the Incident | Contact Sedgwick promptly with details of the damage (e.g., cause, date noticed). | Use the office hours line; notify Police for theft/riot and get a reference. |
| Gather Evidence | Take photos, note when damage was discovered, and confirm if the issue is resolved (e.g., leak stopped). | Include timestamps, descriptions, and your full address to support your claim. |
| Obtain Quotes | Get at least two quotes for repairs before any work begins. | Confirm with Sedgwick if more are needed; include cause and fix details. |
| Submit and Track | Send all info to Sedgwick; they’ll assess and handle payments (minus excess). | Follow up via phone or email; expect processing within timelines (e.g., 30 days for details). |
FAQs: Westminster Leaseholder Insurance Claims for Harford House
Common questions for residents at 35 Tavistock Crescent, London W11 1AY:
What does the policy cover? Building structure and fixtures; not contents—get separate insurance for those.
How do I pay the excess? Deducted from claim payout: £250 general, £1,000 subsidence.
Can I claim for personal items? No, only building-related damage; use contents insurance for electronics or furniture.
What if my claim is denied? Contact Sedgwick for reasons; escalate to WCC or the Financial Ombudsman if needed.
Is the policy renewing? Yes, annually; check WCC site for 2026 updates.
If you need more help with leaseholder insurance claims at Harford House (e.g., for 1a), contact the TMO Office or Sedgwick. Share this guide to assist fellow residents in navigating the process efficiently.