Are you ready if the worst should happen?
The recent fire of the home of broadcaster Sir Terry Wogan in Buckinghamshire highlights the risks we all face in the event of a fire in our home. Even when all precautions are taken to avoid such a disaster, house fires can always be unavoidable. Will your insurance cover you if your house and belongings are destroyed by fire? Making a home fire insurance claim may not be as simple as expected.
The house fire of Sir Terry Wogan was caused by a faulty dryer in a laundry room. Fortunately, there were smoke alarms throughout the building, alerting the residents of the fire very quickly. All the interior doors of the house were closed, which prevented the fire from spreading to other parts of the house. It still took two firefighters in a respirator two hours to contain the fire. Sir Terry praised firefighters on his radio show
Claiming Home Fire Insurance
Although the damage to Sir Terry's house could have been much worse if the fire prevention measures had not been so good. will always be a claim to make on the house and content assurance. It is likely that the contents of the house were heavily damaged by the smoke and, of course, the dryer and possibly some other equipment in the laundry room were damaged.
a house fire, would you be able to make an insurance claim? Fire does not only cause damage to property and replaceable possessions. A serious house fire could destroy personal belongings that can not be replaced. What price can you put on these items? Whatever value you give them, your insurance company may not agree.
Getting the Right Settlement in Your Fire Insurance Application
Your insurance company is making profits, and they are not doing this by giving vast sums of money. money to their applicants. Insurance companies employ experts, called insurance adjusters, to review the details of insurance claims and ensure that the insurance company pays as little as possible. An insurance loss assessor will visit the property, take photos and take notes on the damage caused by the fire, and present a report to the insurance company suggesting the lowest possible settlement to cover the damages. damage caused by fire.
that this amount does not adequately cover the loss you suffered in a house fire. Unfortunately, most people who make insurance claims are not experts and do not have the time, knowledge, or experience to file a good case. An insurance adjuster works in the same way as an insurance expert, compiling detailed evidence of damage caused by the fire and evaluating what the insurance settlement should be. The difference is that loss assessors work for the applicant, not for the insurance company. A loss assessor will make a fair and honest assessment of the damage and presents the strongest case for you when you make your insurance claim for a house fire. The cost of using such an insurance expert is more than covered by the final settlement they are able to get you.
How to Make a Successful Fire Insurance Claim
The most important thing to do, as soon as the fire has been taken care of, is to contact a loss appraiser. Insurance as quickly as possible. The sooner they can visit your home and assess the damage, the better they have the chance to get you a fair and proper settlement of your insurance company.
Of course, before all this you should take all steps to avoid the risk of fire in your home. But if the worst happens, be sure to use an insurance loss appraiser to avoid a disappointing payment from your insurance company.
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