Claiming on Home Insurance - will it impact on a second home insurance policy?

RichNotYet

Hi all. Your wisdom and experience is required please!

My mum died recently, so I notified the insurance company, transferred my mums house insurance to my name, and all was good.
A week ago I entered the property to find the upstairs toilet had sprung a leak: bathroom floor, kitchen ceiling, floor, units, hall carpet, utility room etc all flooded and in a right state.
Insurance company contacted, and claim progressing. 
However, can anyone tell me if this claim will have an adverse impact on my own house and contents renewal - i.e. is it the house that carries the risk, or the person who's name holds the insurance?
I'm somewhat worried about any impact to my own insurance at next renewal!

Many thanks in advance.

DullGreyGuy

RichNotYet said:

Insurance company contacted, and claim progressing. 
However, can anyone tell me if this claim will have an adverse impact on my own house and contents renewal - i.e. is it the house that carries the risk, or the person who's name holds the insurance?
I'm somewhat worried about any impact to my own insurance at next renewal!

Generally the person not the property... some people drop a glass of wine and immediately call their insurers to get a new carpet, others buy a rug. There are exceptions where it comes to flood, subsidence etc.

Answer the questions honestly etc but you'll most likely need to declare you've made a recent home insurance policy claim and so it will increase all of your home policies.