As a shared owner or leaseholder, you need to make the claim yourself directly with the buildings insurance company.
You should contact Protector Claims Department as soon as possible quoting:
Name: Paradigm Housing Association
Policy Number: 3412036
You can contact them by:
Calling 0161 274 9077
Emailing Claims@ProtectorInsurance.co.uk
You can also begin your claim online, by filling in the form here.
For a claim to be considered, the damage must have happened within the policy period and have been caused by an event the policy covers e.g. fire, water, storm, theft etc. Your policy will give details of what’s covered – please call us for a copy. If there has been serious damage or loss the insurance company will need to send a Loss Adjuster before anything can be repaired.
As the freeholder of your home, we are responsible for providing buildings insurance.
Some events covered include:
Yes, the amount paid will depend on the type of claim. For general claims, there is an excess of £100. The excess for subsidence is £1,000.
If your home is less than 10 years old, you may be able to claim on the home’s warranty. You should call our Homeownership team on 0300 303 1010 to find out more about this.
We assess all options to find the best rates and we last did this in June 2024.
We are required to follow specific rules and policies that ensure fairness, transparency and equal treatment of suppliers when purchasing services, and we advertised via the Find a Tender Service (FTS).
Yes, your lease states that we have to arrange buildings insurance on your home.
This is included in the monthly service charge you pay. This will be shown as a separate entry. These are variable, which means we provide an estimated amount at the start of the financial year in April, and produce a final amount based on the actual costs at the end of the year. If the spend is more than the estimated cost, your charges will increase next year. If we spend less than the estimated cost, your charge next year will be reduced to reflect the refund amount we give you.
Our insurance company advise us of the total cost of the buildings insurance premium which is then re-charged as per your lease agreement.
Protector is our current provider, find out more about them here.
Yes, a copy can be found on our website here. You can also call us on 0300 303 1010 or email Insurance@ParadigmHousing.co.uk and we can send you a copy.
All of our offices will be closed from Tuesday 15 September at 5:30pm until Thursday 17 September 2026 at 8am while our staff take part in training.
We will still be available for you to raise emergency repair requests during this period. To report an emergency repair, please call 0300 303 1010.
