Fire and explosion damage to domestic, and commercial buildings, and their contents
Historical evidence indicates that there are often more that 85000 incidents of fire damage within buildings in the United Kingdom in any given year.About 60% of these fires occur in domestic households and the remainder are commercial fires.
If you have been unfortunate to have suffered fire or explosion damage at your home or business premises there are important factors to immediately consider.Physical damage caused by the flames and the explosion itself is obvious enough, but the effects of smoke and carbon deposits are often overlooked and yet can be very destructive to any building or its contents. The extent of these deposits varies in magnitude but even the finest particles can cause irreparable damage to surfaces and finishes of a buildings fabric or its fixtures.The soot particles from a fire or explosion can be equally destructive to contents such as hard and soft furniture, clothing, books, electronic or electrical items , foodstuffs, machinery and plant, and other general stock and packaging.The speed and appropriateness of any salvaging measures are thus vital if affected items are to be successfully restored. When a policyholder has suffered damage or loss to a house or commercial building by fire it is therefore essential that they engage their own expert fire insurance loss assessor.
The Claims Consultancy Loss Assessors based in London are specialist consultants in handling fire damage and explosion damage insurance claims.The Claims Consultancy provide expert help assistance and guidance to the policyholder in the management of fire and explosion claims involving damage to houses, or commercial premises such as factories,warehouses, offices, public houses or restaurants.Immediately following a fire or explosion The Claims Consultancy can assist with the arrangement of emergency repairs to make the building safe and watertight and to ensure that mains services are safely terminated or resumed if appropriate.We assist all our clients by preparing a schedule of the loss and by dealing and negotiating settlement with your insurance company or their loss adjusters on your behalf.
Fire or explosion damage that may initially appear to be minor can affect the structural integrity or performance of a building. The Claims Consultancy has 25 years experience of these matters.Where appropriate we engage associated structural engineers and other experts to comment on the cause and extent of damage and offer their expert opinion on remedial works required.
Your insurers are likely to appoint a loss adjuster or claims handler to deal with your claim but this is to protect their own interests.These representative's operate under heavy workloads and your claim cannot be given the focus it deserves. Adjusters and Insurance Claims Inspectors do not prepare your claim, they adjust the claim you submit. Other expenses may be recoverable of which you are unaware. If you prematurely agree a claim with insurers it may be too late for them to subsequently reconsider additional items.
Insurance policy wordings are complex and difficult for a policyholder to understand. An insurer or his representative have the advantage and will often attempt to construe the wording in their favor as opposed to the policyholders.Acting as your own public loss assessor The Claims Consultancy understand the policy wordings and have the knowledge and experience to redress the balance and ensure that your fire damage or expolosion claim is given the fullest and fairest consideration by insurers that it deserves.
It is therefore essential that you are represented by your own professional loss assessor as soon as possible after fire damage is discovered to ensure the claim is properly and accurately presented and you receive the maximum benefit under the policy.
Gain from of our 25 years experience of handling Fire and Explosion Claims.
Call The Claims Consultancy Loss Assessors now ! 07970 380 111