The Insurance claim and damage management industry has traditionally categorised Fire and Smoke damage to buildings on an individual incident basis, as the contaminants involved with smoke are entirely dependent on the materials burnt, fuel available, timeframe, temperatures reached, building construction methods, and building materials.
Fire and smoke damage, and consequently the appropriate response, will depend on the type and circumstances of the fire and the materials affected, together with the extinguishing methods used which can create secondary issues normally associated with water damage categories.
To correctly assess and determine the level of remediation required to the building, we… Continue reading
Typically your home or business premises are one of the biggest investments that one will make in their lifetime. Unfortunately, I regularly encounter policyholders who don’t have the correct insurance policy in place, or the correct level of insurance coverage for a property that they own.
In many instances or most cases, little or no consideration is given to the intricacies of the policy, the correct setting of sums insured/value at risk, and in the event of a claim this can leave policyholders thousands, tens or hundreds of thousands out of pocket.
How can you protect your position to avoid… Continue reading
A fire at your home or business is one of the most devastating events that can happen. As claim experts, who regularly manage fire damage claims on behalf of policyholders, we understand and know how traumatising a fire can be and how policyholders are left in a vulnerable position.
We’ve put together a few important tips, that’ll help you through the initial aftermath of a fire;
- Firstly and most importantly In the event of a fire, your number one priority is to get all of the occupants out of the building immediately and stay a safe distance away. That means… Continue reading
I deal with a large number of property claims daily. When I receive a call from a home or business owner who has been affected by a large fire or similar loss, I may be speaking with someone who is confused, upset, uncertain and possibly at their lowest ebb. Following a large loss, the home or business owner is typically extremely vulnerable, and certainly not in the best frame of mind to be making impartial important strategic decisions, regarding the direction of their claim. Typically the homeowner may have spent years investing time, money and effort, into making their house… Continue reading
As part of my commitment to continuous professional development, I travelled to Market Harborough in the UK to participate in the BDMA, “Key Elements of Damage Management for Insurers and Loss Adjusters” formal structured training course. The course focused on Fire Damage and Water Damage/Flooding. Continue reading