Fire insurance claims are the most expensive property insurance claim, with £1.3 billion paid out to customers during 2018. Most current property insurance policies come with some form of Fire coverage. However, there may be additional coverage for fire insurance such as contents, property, and loss.
Loss Assessors usually are well versed in dealing with a large variety of claims. Loss assessors are good with fire insurance claims, as the damage could have a more significant impact. A loss assessor would pick up on quickly.
Informing All Involved
It is vital to contact your insurer as soon as possible and relay as much information as possible. You can then explain to the best of your ability the damage. Data is often a lot fresher and may miss out on details if left without informing the insurer.
Inform the insurer exactly what you think you need upfront. Whether you believe you are covered or not, it is better to let them know what you will require to continue. What you need can range from Accommodation to Drying a property.
You can let the insurer know that you will be appointing a loss assessor to deal with your claim. Letting your insurer know is vital as they may try to assign their loss adjuster to deal with your case.
Keeping electronic/physical records of all communications and letters from the insurer can help with supporting the claim. It is good to take some pictures of all the damage to show to the loss assessor. Things are likely to change, and it is good to document what it looked like before/after the incident.
Advice may be provided for free from a loss assessor before assigning one to your claim. Speaking to different loss assessors, first asking about the claims process will give you a rough idea of what to expect from using a loss assessor.
Using a loss assessor from the start will help keep you on track with the claim and ensure that all required documents, images, and letters become documented as part of the claim.
Keeping Track of Fire Insurance Claims
Some claims may take time, and it is an idea to make dated notes for you to refer to. Fire insurance claims can leave you some time without housing whilst repairs take place. Dated notes give you an idea of the timescales and a good reference to look back at helping your memory.
Sometimes it can be easier for some people to print out all electronic copies to have a physical record. Physical documents can help make sure that you are on top of everything and fully understanding the procedure during the process.
As a loss assessor should have all this recorded, they can help you understand your claim better for yourself to get an easy understanding of the overall procedure.
Know What Your Claim Entitlement!
If you think you may be entitled to something, you may be right. It is always good to check whether your insurance policy covers something you would have expected the policy to include. Sometimes what you wish to be covered may have been an additional extra at the time.
Some insurers like to separate their policies to offer the policy at lower costs, meaning they may exclude specific damage/loss coverage. It may be a case of the insurer saying something is wear and tear as the fire did not directly impact it.
A loss assessor makes the point on your behalf that the fire damaged items, etcetera, ensuring that things get back to the pre-loss condition. Whether through a cash settlement or networked contractor, a loss assessor typically has your interest at heart.
In conclusion, if you have had a domestic or commercial fire and your insurer covers it, seeking a loss assessor can help. If you are unsure, you can reach out to a loss assessor to get free advice before hiring them. Ensuring that you have well-documented everything from the beginning of the incident will help the insurer and the loss assessor.
Fire Insurance Claims can be complicated, so it is good to keep a diary and make sure you keep track of dates and times. Keeping a record to show the loss assessor or insurer can prove with images as to what happened and when.