Property claim redaction is the removal of personal data from a damage report. Insurance Act 2015 s.11 stops an insurer relying on a breached term that could not have increased the risk of the loss that actually happened, so the survey wording matters. A flood claim may sit behind Flood Re, the reinsurance scheme set up under Part 4 of the Water Act 2014. anonym.plus marks each item on your device, so the damage facts stay clear while the owner stays shielded.
When this applies
Such a write-up names the owner, the bank account, and the loss address. A builder needs the damage schedule; a reinsurer needs the peril and the sum. You trim the personal fields before the report moves on.
How anonym.plus handles it
- Open the report in anonym.plus on your device.
- Local OCR reads scanned photos with printed captions.
- The tool flags names, accounts, and addresses.
- Keep the reference and damage codes intact.
- Swap or black out the confirmed entries.
- Save the clean copy locally.
What you need to provide
- The damage write-up (PDF, DOCX, or scan).
- An operator (Replace keeps the notes readable).
- Optional allow-list for reference and parcel numbers.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | owner Hale → [OWNER] |
| Financial | UK_BANK_NUMBER | settlement acct 5521 → [ACCOUNT] |
| Location | LOCATION | loss address, Glasgow → [ADDRESS] |
| Identifiers | UK_NINO | HL 22 44 11 C → [NINO] |
| Contact | PHONE_NUMBER | +44 141 496 0771 → [PHONE] |
| Financial | MONEY | loss £84,000 → [AMOUNT] |
Compliance achieved
- Keeps the survey wording intact, so any argument under Insurance Act 2015 s.11 about a term that could not have increased the risk is read on the original text.
- Supports the prompt and fair claims handling required by FCA ICOBS 8.1.1R.
- Leaves peril and sum-insured detail whole for a flood claim ceded to Flood Re, the scheme established under Part 4 of the Water Act 2014.
- Removes owner name, account, and contact data under UK GDPR Art. 5(1)(c).
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Limitations & cautions
A loss address can hint at the owner even after the name goes, and on a single-property peril it may name the household outright. The tool flags named items; decide whether the address itself must be masked too.
Frequently asked questions
Should I redact the loss address?
Often yes. On a property claim the address is close to a direct identifier, because it names one household. The tool flags it so you can decide whether to mask or coarsen it.
Does redaction affect a term in the policy?
No. Insurance Act 2015 s.11 turns on the wording of the policy and the cause of the loss. Redaction touches the personal fields in your copy of the report, not the contract.
Will my reference numbers survive?
Yes. Allow-list reference and parcel numbers so they stay while personal data is removed.