Professional Claims Assistance


When you deal with a fire or a burst pipe at your business you probably want the insurance claims process to go as smoothly and as quickly as possible so No More Mistakes With Professional Claims Assistance would be a real achievement. The reality is that the reason the claims process is sometimes difficult or long are several common mistakes claimants make.

Among the many possible insurance claims mistakes out there, under insurance is probably the one that costs the most money. According to ABI, a quarter (28%) of households do not have home contents insurance and professional policies sometimes do not fare much better, especially among small businesses. In this instance, if a fire consumed their belongings, they would have to replace all of them themselves. What seems like saving money on an insurance policy then ends up costing the claimant many times more. However, not anymore thanks to Professional Claims assistance provided by Loss Assessors such as Oakleafe Claims.

Professional Claims Assistance with Under Insurance

Underinsurance means the risk of recovering much less than your actual loss. For instance, having business property insurance without a contents policy would cover any structural damage to the property but not cover any costs of contents damaged during a fire or flood. Things do not have to have high value to add up very quickly and if you’re a coffee lover who loves to buy a cup on the way to work, you probably already know this. Office supplies add up just as quickly.

According to Professional Claims Assistance, another way that a property can be underinsured is if the value contained in the policy is less than the property is worth. For example, let’s say your business is insured for £100,000 and your damages after a fire is £50,000.  The insurance company’s loss adjuster upon inspection discovers that the property value is £200,000. In that case, you are underinsured by 50% and your claim for the fire loss is now worth only £25,000.

To avoid this, you can get your property surveyed on a regular basis, for example when it’s time to renew your insurance. This way you will always know true rebuilding costs which are important because they fluctuate. It’s also important to keep in mind that rebuilding costs can sometimes be more than the original value of damaged property.

Professional Claims Assistance Helping Avoid Common Mistakes

Filing a professional claim can be a difficult process without Professional Claims Assistance and documentation of damage is often the most important issue. The most common business insurance claims are for theft, fire and weather-related incidents. Whatever the incident is it must figure in your insurance policy as a covered event otherwise your claim is likely to be denied. You also must comply with the insurer’s requests for information when filing a professional claim and to make documentation available you need to first have it.

Therefore, photographing damage after any incident is essential and why storing documents such as receipts in a safe place can make a difference in the success of professional claims.

Some other professional claims mistakes are not filing on time and eliminating evidence. Filing on time is essential because the insurance company can deny your claim for an unreasonable delay. Eliminating evidence means throwing away any damaged items, after a flood or a fire for instance, before they were itemized, and the insurance loss adjuster has had time to verify the resulting damage.

Professional Claims Assistance In The Business World

Almost half of all business owners will have a need to file a professional commercial claim at some point, so the risks are quite high. Most business insurance policies cover public and employers’ liability, professional indemnity, commercial property damage, and business interruption. Currently, professional liability claims are quite high. Professional indemnity insurance is the one that protects a business against claims by clients who allege that the service provider has caused them financial loss.

The key to a smooth process in professional commercial claims is to never admit liability and to file on time. Admitting liability can be a reason for the insurance company to deny your claim and secondly not all facts are immediately apparent so this is something no one should ever do. Hiring a loss assessor to help with filing your professional claim can greatly contribute to its smooth processing and seriously shorten the time it takes for your claim to settle. Commercial property damage can usually be resolved fairly quickly but other incidents, such as theft, cybercrime or injury require an investigation, which may extend the time for the claim to settle.

Getting the Right Professional Claims Assistance

Hiring a Loss Assessor such as Oakleafe Claims for professional claims can go a long way in eliminating the common mistakes mentioned earlier because the Loss Assessor, such as Oakleafe Claims, deal with the insurer and make sure all their requirements are satisfied properly. One of the most important things a loss assessor does is to make sure your policy reflects correct values. This is crucial because the insurance loss adjuster works for the insurance company and cares about the benefit to them and not you.

People sometimes tend to undervalue their property to save on policy costs and this is a serious mistake since these savings will pale in comparison to what they will lose if they only receive half of their claim at a time when they will need it most. Accurate assessment of the value in both home and professional claims can mean the difference between having a successful claim that settles fast and having a claim rejected or drag on for months in order to correct inaccuracies.


No More Mistakes with Professional Claims Assistance will translate into smooth processing of professional claims every time. The best way to avoid some common professional claims mistakes is to hire a loss assessor and let those professionals guide you through the insurance complexities no one has time for.

What you want is to get your business up and running again instead of trying to understand insurance small print speak so that you can avoid some crucial mistake which might cause your claim to be rejected or undervalued. The services of a loss assessor will give you much more than an expedited claim – it will provide peace of mind.

Oakleafe Wins Award at O2 Blue Conference


Huge thank you to O2 Business for the customer service award. We are always striving to improve policyholder satisfaction here at Oakleafe. If you are having trouble with a domestic or commercial insurance claim, why not give us a call and join our growing list of satisfied customers?

As Insurance claims Assessors, we are always striving to find ways of improving communications among stakeholders in the claim process. Our bespoke online portal allows a more thorough approach to keeping the claim journey as transparent as possible. Little changes have lead to big improvements in our drive to be more efficient and we are delighted this has been recognised by O2 - one of the worlds leading digital service providers.


Our bespoke system allows everyone in the claim process to interact effectively. Tasking, notes and the watermark feature promotes transparency leading to better communication. This software has cut down calls to the office by an amazing 37%.

In building our online software platform, we have streamlined the claim processes that now makes us far more efficient for the client and suppliers.

Peoples emotions are often strained in moments such as a fire and keeping communications simple helps to remove the stress. This way they can concentrate on more important things like family. Here at Oakleafe Claims, customer satisfaction is of the utmost importance as we continually strive to be the best.

Fire Insurance Claim Guide

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Fire damage claims can be particularly stressful, but the Fire Insurance Claim Guide can make things a bit easier for those who do have to deal with them. Fire damage claims are not only time consuming but can also be quite difficult to assess. Annually there are about 37,000 house fires in the UK, and most are caused by accidents while cooking, such as leaving a frying pan unattended. Another common cause is frayed electrical wiring and faulty heating systems.

Fire damage can be complex and far beyond what is immediately noticeable so you may not know how to assess the loss properly if you handle your claim on your own. For example, you probably will not be able to see the extent of smoke damage and therefore may not claim for it. Only a professional with years of experience in the field will know how to look for signs of structural damage following a fire. It is always a good idea to hire a Loss Assessor such as Oakleafe Claims to help with a fire damage claim in your home. Insurance companies have their experts and so should you.

First Step In The Fire Insurance Claim Guide

 The first step in the Fire Insurance Claim Guide is that if a fire in your home does happen, first leave the property and call the fire department. Only after the authorities declare your property safe to enter again check if any immediate repairs are needed to guard against further damage. This may include a temporary cover of damage to the roof to shield from rain. If such immediate repairs are needed and you fail to act, any further damage will likely be denied by your insurer.

At this point, if it’s safe, it’s a good idea to take photographs or videos to document all the effects of the fire damage. Also, make sure you obtain a copy of the fire department’s report to include in your claim. Your insurance company will ask for this documentation if authorities were called to the scene.

Preparing Using The Fire Insurance Claim Guide?

No one wants to think about a fire in your home but there are definite steps you can take to both improve safety and be prepared in case it happens. The Fire Insurance Claim Guide indicates that in order to avoid a fire in your home never leave anything on the stove unattended and keep your home and heating systems well maintained. Always make sure there are fire extinguishers in the home and that you know how to use them.

Also, make sure every household member knows how to evacuate the property in case of fire. You can practice evacuation routes with your family. Another good way to prepare is to keep records: photos, receipts, and inventory of home contents. This will help you prove their value and that you own them when the need arises. You can keep these records in a cloud-based platform so that they are easily accessible from anywhere when needed.

Support According To The Fire Insurance Claim Guide

To get the best professional help for your fire damage claim call a Loss Assessor such as Oakleafe Claims who will help you deal with the insurance company. In cases of fire damage, the insurer must eliminate fraud so some questions they may ask you may be uncomfortable. The insurance loss adjuster is also employed by the insurance company whose main priority is their bottom line and not yours. They are likely to want to settle your claim for the minimum required by law.

The loss assessor will help you prepare for their questions and guide you through the entire process having your best interest in mind. Most importantly they will expertly asses your loss, making sure to include everything your policy covers, and help prepare your claim. Fire damage repair costs can be quite high, and some claims can take a long time to settle. It is important not to exaggerate the value of your claim, but you also do not want to undervalue it either. When it comes to fire damage in your home professional support is priceless because it ensures you get everything you are entitled to and that you receive it as fast as possible.

Avoiding Mistakes Using The Fire Insurance Claim Guide

Any delay in filing is a common reason to deny a claim so make sure to file on time. Every insurer has a defined reasonable amount of time to file after an incident and this information should be easily found in your policy. Yes, you will have a lot on your mind and the wellbeing of your family will be your priority but do not ignore these timelines.

Another common mistake is throwing away items that have been affected as a result of the fire damage. You may not even realize it but if you throw away a burnt piece of furniture or any other household item, which reeks of smoke and maybe beyond salvageable, you just destroyed evidence. Do not throw anything away until after you file, and the insurance company’s loss adjuster has had time to assess the damage. Instead, make a list of damaged items and gather together all records you have that prove their value.


While nothing will make a fire claim process pleasant the Fire Insurance Claim Guide will help eliminate some of the unnecessary hassles. If you file your insurance claim on time and hire the best professional help available, the entire experience will be a lot less stressful. Having proper documentation and always cooperating with the insurance company’s requests for information are also essential to proper processing of your claim. Having a plan in place ahead of any incident will enable you to deal with a fire better than you would unprepared.

That having been said, once disaster strikes, professional help from a Loss Assessor such as Oakleafe Claims can make all the difference in the outcome of Fire damage claim In Your Home. If emergency accommodations are needed, you can apply for an advance through your insurance company and your loss assessor can help you with this. They can also help you find appropriate accommodations until the repairs on your home are completed. Accidents do happen and fire damage tends to be complex so in addition to having a home insurance policy, consider professional support for your claim.

3 Insurance Claim Mistakes Most People Make


While the biggest mistake is not having insurance at all there are 3 Insurance Claim Mistakes Most People Make and therefore are best avoided. The first is not filing on time, the second is not providing adequate documentation or and the third is destroying evidence. You may be surprised at how often these occur; However, to be fair after a fire in your home the insurance company’s procedures are not at the forefront of anyone’s mind. 

 Although, claims do get rejected for these reasons and when that happens it is a big deal.

According to the Association of British Insurers only “79% of home insurance claims are successful” .

So there is a real risk of a claim being rejected. Considering that the average UK home contains assets worth around £35,000 and that the repair or replacement costs of the damaged property can often be higher than its value it is well worth it to know how to file a claim properly.

First Insurance Claim Mistakes Made Is Not Filing On Time.

Yes, contacting the insurer within a reasonable amount of time is a standard requirement of any policy. Most insurers have written procedures about what is considered a reasonable amount of time after an incident to file a claim. You can check your policy or contact your insurer to find this out. If the issue is gathering the needed documentation for a claim that is reasonable but do let your insurer know that is what you’re doing. 

 Filing on time is essential because the insurance company can deny your claim for an unreasonable delay and this is one of The First Insurance Claim Mistakes Most People Make. If the incident is a fire or burglary notifying authorities is also necessary and the insurance adjuster will require their report. Not filing on time is probably the most common mistake which causes claims to be rejected. So, if a fire or a burst pipe happens do not procrastinate – contact your insurance company as soon as possible.

Second Insurance Claim Mistake Made Is Generic Filing.

Proper record-keeping following an incident is probably the second most important thing when it comes to a claim being successful in order to avoid making an Insurance Claim Mistake. This includes photographs of the damage as well as any pre-damage photos, any receipts or proofs of purchase and any reports from authorities, such as the fire department’s report. 

Photograph all damage as soon as it is safe to do so and obtain surveillance videos if you have cameras installed. An adjuster will require proof of loss so have it ready when they ask. It is also always a good idea to keep records of all communication between you and the insurance company. 

You don’t have to wait for a disaster to strike to start keeping adequate records. You can prepare by having your home photographed and keeping the photos as well as any other documentation in a cloud-based platform such as Google Drive. It may give you peace of mind that in case any disaster strikes you know where to find what you need quickly.

Third Insurance Claim Mistakes Made Is Eliminating Evidence.

The Third Insurance Claim Mistakes Most People Make Is Eliminating Evidence. People who do this simply do not think of it that way. For instance, if your property is damaged by fire or water the natural tendency may be to throw a burnt or water damaged item away but that is the last thing you should do. Keep everything as is until all damage is documented, and your insurer has had time to verify the loss. There will always be time to clean up after your claim is already filed.

If you hire a Loss Assessor such as Oakleafe Claims they will guide you through all this. It is always helpful to have someone qualified who will pay attention to all those procedural details and who will make sure everything is done correctly with your claim so that you don’t have to worry about it. 

Insurance Claim Mistakes That Result In Rejection.

Refusing to cooperate with the insurer’s requests for information can be a reason to deny a claim. The adjuster needs proof of your loss and that means documentation such as photographs but also any receipts or proof of purchase of items claimed. If you do not have anything to submit as proof your claim is likely to be delayed in processing or denied and this is a pivotal Insurance Claim Mistake made by many. 

Claims are also likely to be rejected for not being filed on time and in cases of inadequate coverage. If you file for a damaged laptop but you do not have Portable Items insurance, you may not be reimbursed for that item even though your policy may cover other damage. It is important to know exactly what your policy covers so that this is not an unpleasant surprise when something happens, and you have a million other things to worry about.


It may seem like a no brainer to know your insurance policy but with the busy lives, we all lead these days people often do not read them after they purchase them. Your home is not just the sum of its market value and its contents but also where you and your family make your history. It’s important to know what you are covered for before anything happens.

Not filing on time, not keeping adequate documentation and eliminating evidence are the 3 Insurance Claim Mistakes Most People Make, but there are plenty of other mistakes you can make. Insurance companies are always on the lookout for any inconsistencies in a claim and they always look to minimize the settlement. One way to ensure that your claim is successful, that it is processed quickly and for its real value is to hire a Loss Assessor such as Oakleafe Claims. Having someone on your side is important when it is your home and your peace of mind at stake. Never mind looking incompetent – the bottom line is that you probably do not want to be a part of the 21% of claims that get rejected.

An Insight Into Home Insurance Claim Strategies

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Home damage can potentially cost a lot to repair. Therefore, whether your claim is straightforward or complex you want to understand the right home Insurance Claim strategies to use. Some claims can be more complicated than others. For instance, in the case of flooding the type of damage can be hard to assess and repair and the claim may take longer than usual.

 According to the Association of British Insurers “water damage is claimed most often and accounted for over 30% of home insurance payouts in 2018.”

Any incident that causes damage to your home can be potentially stressful and having a home insurance policy is only half the battle. Knowing the best Home Insurance Claim Strategies and how to properly proceed with a claim is the other half. One of the general Home Insurance Claim Strategies is that the more documents such as receipts for items claimed and photographs of damage you gather the smoother the entire process will go. Another is always contacting the authorities and obtaining a report if the claim is the result of a crime like a theft. Also, make sure you have a copy of your policy and that you know what is covered and what isn't.

What are the most common home insurance claims?

The weather has become more unpredictable lately with stronger storms due to climate change and storm damage claims have increased but flooding, including burst pipes, is still the most common home insurance claim.  Others include fires, most often kitchen fires, accidental damage and burglary.

Water damage claims are common especially in colder months as pipes can freeze and burst releasing water. Keeping up good maintenance of the home is important so that the insurance company doesn’t deny your claim based on improper upkeep. Accidental damage, such as party guests ruining your carpet, usually requires the right type of coverage so if you claim for it make sure it is included in your policy. Accidental coverage is not usually a part of standard home policies.

Theft is included in any standard policy, but the correct Home Insurance Claim Strategy would be reporting it to the police promptly. Your insurer will need their report or reference number so make sure you have those details when you file. Fire claims are also common home insurance claims but can get complicated because of smoke damage which is not immediately noticeable and therefore can be difficult to assess. Engaging a Loss Assessor in those cases to help you properly assess all damage before you file is always a good idea.

How long do home insurance claims take?

Home claims can take anywhere between a few days to a over a year to settle and for this reason it is pivotal to adopt the correct Home Insurance Claim Strategies in order to ensure the claim is settled correctly and quickly. For larger claims an adjuster will need to inspect and investigate the damage, which can take more time. It can also be potentially uncomfortable for the claimant as they can be made to feel more like a suspect than a victim. The time a claim takes to settle depends on several factors but mostly it is the type of damage that determines it.

Certain types of damage such as water damage or smoke damage are more difficult to repair and there may be differences of opinion as to the value of such claims. Properly assessing the value of your loss is not always straightforward and it is this assessment before you file that’s the key strategy to a successful home insurance claim.

There is no way to know for certain how long your claim will take. However, engaging a Loss Assessor like Oakleafe Claims can shorten this time considerably since they are familiar with all types of claims and can make this process much smoother. Upset over a loss may prevent you from being accurate in your claim but a professional loss assessor will pay attention to these details and adopt the correct Home Insurance Claim Strategies, making it much less stressful for you.

What do home insurance adjusters look for?

What insurance company adjusters look for is whether the damage is covered by the policy in the first place and if there are any signs of fraud. Being honest in filing your claim and not exaggerating its value is important but you also do not want to under value your claim. A professional loss assessor can be of great help here as well since it is their job to know how to accurately assess your loss.

Filing the claim within the time specified and following procedures are good Home Insurance Claim Strategies for decreasing the risk of the claim being denied. Home insurance claims are still the most likely to be rejected among all types of insurance. This is mostly due to lack of appropriate coverage which is why it’s so important to know what your policy includes.

Another thing to keep in mind is not to organise home repairs before the loss adjuster has a chance to see the damage. The only immediate repairs you need to make are ones that prevent further damage to the home such as temporarily covering any damage to the roof. When the insurance company’s loss adjuster visits your property, they will need to be made aware of any immediate repairs done.

Does making a claim affect home insurance premiums?

Making any home insurance claim will typically raise your insurance premiums by 10-15% the following year. It’s also important to remember that you have to pay your set excess towards any claim at the time you file it. How much excess you pay depends on the terms specified in your policy.

Sometimes if the claim is small, such as a broken window, it may not be worth filing at all since the premiums will increase for any size claim filed and you may pay much more because of the increase than the claim is worth. Home insurance works best for larger claims, where the cost of repairs is much more than you could afford at the time.


Filing any home insurance claim can sometimes be a difficult process but knowing Home Insurance Claim Strategies can simplify it. Following procedures, filing on time and having the right kind of professionals on your side can make any claim hassle free. Having proper documentation is a proven home insurance claim strategy and the more there is of it the better.

Of course, you want your claim handled as quickly as possible and hiring a loss assessor can help to that end. If you follow these simple Home Insurance Claim Strategies your next home insurance claim will not cause any unneeded stress.

How To get The Best Insurance Claim Settlement

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How To get The Best Insurance Claim Settlement

Obtaining The Best Insurance Claim settlement can be a difficult process and can potentially become a power struggle between your best interests and the insurer’s, often involving negotiations and private arbitration. Insurance companies are experts in their field when it comes to settlements and know exactly what to use to reduce pay-outs or even repudiate your insurance claim.

In order to obtain the best insurance claim settlement offer you need to know how to respond to a low offer and also to recognise that it is a low offer. So, how can you tell if you have received a low insurance claim settlement offer? Well, if it appears unreasonable, it probably is.

To get the best insurance claim settlement, one thing to keep in mind is that the insurance company always wants the settlement pay out to be the lowest amount legally required. They will never offer the most they are willing to pay straight away because they expect negotiations. Never accept their initial offer and make sure that your counter-offer is well documented.

How to Respond to a Low Settlement Offer to get Best Insurance Claim Settlement

An Insurance Claim Settlement offer may often fall short of the claimant's expectations. This is common but you should not be discouraged by it. Insurance companies negotiate settlement agreements every day, so it is usually hard to negotiate for your own best insurance claim settlement if you do not think their offer is reasonable.

For example, the Insurance Loss Adjuster could state that you did not act fast enough to secure your property in a weather related incident. The issue there is what actually caused the damage and wording in your policy may allow for one thing but not another to be covered. Remember that you should not have to reiterate any wording that is already present in your insurance policy.

First of all, you don’t have to accept their offer. You can respond by asking the Loss Adjuster to justify the offer. What you want them to explain is why exactly this amount? The adjuster should then tell you in detail how they arrived at the proposed settlement amount. This way to get the best Insurance Claim Settlement, you can properly address all the issues they bring up that make your claim weaker.

You can also then come back with a counter-offer which is well documented. Hiring a Loss Assessor can make a huge difference here because they will recognise a low offer and know exactly how to proceed. Loss Assessor will know the itemised extent of your damage and what the insurance company always counts on is that you do not know the value of your claim.

How to Maximize The Best Insurance Claim Settlement

 Whether your claim is for a fire, flood , theft or a burst pipe, the steps involved in making sure that what you finally receive is fair are similar. The key to the Best Insurance Claim Settlement is documentation. You need evidence such as photographs or surveillance videos that actually show the extent of the damage. It is very helpful to have a loss assessor detail the actual costs of your loss.

When it comes to property damage the insurer has two options: to repair damage and replace property or to settle the claim as a cash payment. If your insurance offers a cash settlement as an option, you should make sure you receive a settlement which accounts for the true cost of your losses. To receive the Best Insurance Claim Settlement offer you should have a very clear determination of all those costs.

According to Financial Mail hiring a Loss Assessor such as an Oakleafe Claims’s team of professionals can increase your settlement by as much as 40%. This is because you will have claim technicians and chartered surveyors on your side who know exactly how this process works and aren’t in any way bound by the insurance company’s bottom line.

The insurer will always look for common mistakes, such as failing to immediately protect the property from further damage to reduce your settlement. To receive the Best Insurance Claim Settlement offer you need someone who is on the look out to maximize it. Then you will be on your way to Obtain The Best Settlement from your Insurance Company.

How to Obtain Best Business Interruption Settlement

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When it comes to commercial claims receiving a fair settlement is even more difficult if business interruption occurs. This is when a business has to shut down or stop operations as a result of damage resulting in loss of sales. Since business interruption claims are subject to estimates of sales if the loss had not occurred, they cannot be exact, and any settlement is almost always the result of negotiation.

A Loss Assessor like Oakleafe Claims can accurately calculate the Loss of Profit and Increased Cost of Working in any business interruption claim and properly guide you through the entire process of receiving the Best Insurance Claim Settlement.

The best way to get a business interruption settlement is through private arbitration and insurance companies are expert negotiators. It helps to have someone in your corner who is equally skilled at negotiating. Sometimes just the fact that you hired a loss assessor can increase the settlement offer because the insurer knows that you are not at the negotiating table alone.

Don’t Let the Insurance Company Tell You What’s Best

Insurance companies are known to use less than fair tactics to pressure people into accepting their initial offer – because it’s the lowest one. This is what they always want because it works out best for them and they will often lead you to believe it is the best offer for you as a claimant. Don’t believe them and do not fall for their lines.

The only way to actually know the real cost of your loss is by hiring a loss assessor because the loss adjuster is employed by the insurer. Someone like an Oakleafe Claims professional will not be swayed by any insurer because they know the industry and also because they are not emotionally affected by the loss.

For instance, when it comes to insuring property most people have what’s called a policy of indemnity. Policies of indemnity refers to insuring buildings and their contents. This type of insurance is designed to restore the property to the condition it was before the loss or damage happened.

The insurer considers “the condition it was before the loss” in very broad terminology and what it means to them is the minimum required towards a similar condition. What it means to you as a claimant is very different – that is your home or business, your time and effort. You should receive everything you are entitled to and not just the bare minimum in case of loss.


Responding appropriately to a low offer and documenting your damage well to present a counter-offer is only half the battle. You also need your insurance company to agree that you deserve more. Most of the time it will be a compromise between their number and yours. The more evidence you have to support the amount you are asking for, the stronger the probability that your insurer will have to agree. Once they do always confirm in writing and keep records of all communication.

In summary, Obtaining The Best Insurance Claim Settlement from your Insurance Company can be a bit tricky but the steps outlined above can be of great help. If you keep in mind that what your insurer wants to pay is the minimum, if you properly document your loss and if you have a qualified Loss Assessor fighting for you, chances are much higher that you will receive the best settlement offer possible.


What is the true cost After a Fire in My home?


A fire at home is not something anyone wants to think about and much less stop to consider the true cost After a Fire in My home. We all hope that it never happens but if it does knowing what to do after a fire and properly assessing any damage are crucial. The truth is that an accidental fire in the home is a common occurrence and one every house owner should be prepared for.

Kitchen fires account for a large percentage of accidental fires in the home. An average stove fire restoration work can start at around three thousand pounds but depending on the damage caused by the blaze and water, proper restoration can sometimes run up to tens of thousands of pounds. With that much to lose it may be worth to know what the most common causes are and how to prevent them and what to do after a fire.

What are the most common causes of fire at home?

The most common causes of fires in the home are accidents while cooking, smoking and improper use of portable heaters and candles. It may seem common sense not to leave anything on the stove unattended, but this is still the number one cause of all fires in the home and more common than either smoking or using portable heaters. We all have busy lives and as you are happily preparing dinner and the phone rings it only takes a moment to become distracted.


Overloaded Cables & Electricity

Overloaded extension cables also account for a significant percentage of fires in the home .There is an overwhelming number of electrical devices in each household today and being mindful with how to charge them all is important.


Heating Systems & Chimney Maintenance

As does failure due to lack of maintenance on heating systems and chimneys which is probably not on top of anyone’s task list but should be scheduled on a regular basis.


Gas Leaks

Gas leaks account for a portion of fires at home and are particularly dangerous because they spread very quickly. Careful use and maintenance of any gas appliance is essential to prevent fire in the home.  Faulty electrical wiring can also sometimes be the culprit because as wires get old and frayed, they may cause sparks.

What is the cost after a fire in my home?

The cost after a fire varies greatly depending on the size of the burned area and materials which burned. Synthetic materials cause a lot more damage than organic when burned and produce more harmful soot and smoke. The actual cost can be anywhere between a few hundred pounds and as much as £ 30,000 if remodeling the kitchen or a bedroom is necessary.

There are two types of damage after a fire: damage from the fire itself and damage from putting the fire out. The second type is from smoke and water and any other substances which were used to contain the blaze. Most structural damage to a home is caused by this secondary type as soot and smoke get into the structure and become corrosive when cooled.

If you are insured, an insurance adjuster works for the company, not for you. What they assess as damage might not include all long-term damage to your home and may not include damage to your furniture or personal items. Oakleafe is 100% on your side and works to both maximize your claim and make it easy for you to deal with the entire process, which is already hard enough.

What are the types of fire damage?

Some fire damage is obvious such as anything that burned like a stove, cabinets or furniture and any structural damage to the home itself such as burned walls and ceilings. Other types of damage after a fire in your home may not be so easily noticeable but harmful to health if not properly removed. Soot and smoke can settle on anything and sometimes you may not be able to see it.

 Smoke damage is harmful to health as smoke can easily become toxic, settles on all contents of a home and stains walls. The odor of smoke after a fire can linger and usually requires professional restoration to remove. If water was used to put out fire, there may be water damage which in turn may cause mold to form.

Careful assessment of all damage and gathering detailed evidence for your claim is very important.  This is where Oakleafe can make a difference as they look out for you and not the insurance company’s best interests. What you need after a fire are qualified professionals who know the different types of damage and how to assess it.

How can I prevent fire in my home?

The most obvious way to prevent a fire in the home is to never leave anything on the stove unattended even for a moment and make sure you have a working fire alarm. It is also important to maintain your alarm by testing it and checking the battery on a regular basis.

There are other things you can do: purchase fire extinguishers for your home and make sure you know how to work one. Keep all flammable products such as household cleaning products away from heat. Make sure children do not handle kitchen appliances and do not have access to anything flammable. Inspection of heating systems and checking conditions of electrical cords regularly can also prevent many accidental fires.

Finally, keep your insurance documents in a safe place and have a clear plan to evacuate quickly in case of fire. Make sure everyone who lives in the household knows and follows it.


Accidents sometimes happen even if you are careful, so the next best thing is knowing how to deal with a fire in your home if it does happen. Always call the fire department first and evacuate quickly. After a fire contact an insurance assessor such as Oakleafe to properly assess all damage and guide you through the insurance claim.

A fire in your home can be a devastating experience but knowing what to do and knowing you have qualified people on your side throughout the ordeal can help a lot. A dedicated claims technician who will advise you on your insurance policy and whose priority is to get you the best settlement possible will make taking care of all the details much easier on you.

After a fire minimizing and assessing the damage becomes priority and knowing how to properly address this can make a big difference in restoring your home. Oakleafe will properly assess your damage and expedite your claim so you can go back to what’s most important in your life quickly.

Oakleafe Claims attending BIBA 2019 Conference


We are exhibiting at BIBA 2019 conference to share our exciting Insurance Claims Management Service as Insurance Assessors that will represent the policyholders of Insurance Brokers.


BIBA - British Insurance Brokers' Association

The British Insurance Brokers’ Association (BIBA) is the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries and their customers. BIBA is the voice of the sector advising members, the regulators, consumer bodies and other stakeholders on key insurance issues

Our Stand

Please find on stand C80 and would be happy to explain about our Insurance Claims Management Service.

Brokers Handling Insurance Claims

Historically Insurance Brokers handle Insurance claims internally which may risk the relationship a broker mas with their clients. Client retention is key but additionally Insurance Claims can often be tremendously complex and the number of repudiated claims is increasing. This can expose the broker to costly litigation and consume more resources which could have been spent elsewhere in the business.

Oakleafe Claims - Insurance Claims Handling Services

Oakleafe Claims is here to support the policyholder from first notification and will push for liability and protect both the Broker and their Policyholder’s interest. Backed by 8 generations of Insurance Claims handling experience, Oakleafe Claims can provide a dedicated service on their side in the event of a claim. Freeing up the Broker on running and growing their business.

Use of Future Technology in Insurance Claims

The technology industry is growing at unprecedented rate, the amount of innovation created in the UK’s booming tech cities is paving the way for future companies to use. Words like Artificial Intelligence (AI) & Machine Learning can be thrown around a lot when it comes to defining modern technologies which can be used to learn about human behavior and interaction.

Many companies and industries can benefit from this technology and give them the ability to improve their service. The Insurance industry has taken a big interest in using some of this technology for their own benefits which can shape how we take out Insurance Policies and the process if we have to Claim.

Using AI for Risk taking on policies

Insurance Companies have been collecting Claims data about their customers for many years. They are already using specialist algorithms to establish whether their customers live in a “High Risk” area. A good example would be a village or city that is more likely to receive flash floods.

But they can take this one step further and start using AI to predicting upcoming trends which may affect the price of the policy

Human Autonomous Interaction

Voice recognition software can be used to learn and process what a person is saying while also determining their mood and tone. Most of the time when you call your Insurer you will be greeted with automated message asking you to go through multiple options. Well they can use this opportunity to collect additional data about you and your voice that they can use.

Insurance And Technology Companies are teaming up together to develop voice recognition software that could potentially predict if a person is lying which might prevent Insurance Fraud. But they can also speed up the process of a Claim by providing the required information to the back-end claims team at a faster rate who would then handle the process.

The Issues

Often times when a Customer has been effected by Fire, Flood or Impact Damage, It can be a daunting process when choosing to Claim from your Insurance Company.

There are fears that technology removes the emotional factor when it comes to communications. The concern is that if you are in dire state where you require assistance when making an Insurance Claim, you could often feel isolated and left out.

Insurance Claims Handling

Choosing an Insurance Claim Handling company can help remove the stress by handling all communications on your behalf with the Insurance Company. They will also manage all meetings and quantify the claim while you can concentrate on your family of business. Their goal is to help you receive everything you are entitled to.

Families on Summer holiday leave homes at risk


Office for National Statistics shows that 42% burglaries in England & Wales have taken place when the occupants were not in their household.  And M&S Bank revealed that on average holidaymakers leave their home unoccupied for 10 days during the summer. 

With the summer at its peak most of us would be on holiday or at least planning to go soon. The issue is that many homeowners have not planned any  security precautions and is often overlooked.

Does my Insurance policy cover burglary?

Your home insurance should be covered by burglary but often the case there is many scenarios which could lead to your Insurance Claim being rejected by insurers. 

Long holidays

Your policy states that long extensive holidays where your home is left unoccupied for more than 30 consecutive days can lead to a repudiation.


Most policies state that homes should be protected by a minimum level of security. This generally includes deadlocks on external doors and locks on accessible windows. Having security systems like burglar alarms and CCTV can often lower your insurance cost and also provide you with the extra security to prevent burglars. In the event of a claim you will have a higher chance of being paid out as you have shown adequate effort to secure your home.

Our thoughts 

Our advice is to be accurate with your insurance provider. If you have mentioned to them that you have a burglar alarm and is required in policy. Not doing so may lead to a repudiation in your claim. Always forget to set the alarm every time you leave your home. Never use a dummy alarm as this will not reduce your insurance premium. 

Check your policy that you are covered for high-value items. For certain high-value items, additional cover may be required to protect them in case of an incident.

Top 6 things you can do to deter burglars while you are away.

  • Motion Lights - Install affordable motion-activated security lights in your garden or front entrance.
  • Keep all windows and doors locked
  • Pretend you are home -   Install Energy Saving bulbs and keep one on or install timers 
  • Keeping Tabs - Ask a friend ,neighbor or relative to keep an eye or check your home every once in a while.
  • Keys - Don't leave any spare/hidden key
  • Social Media - Beware of social media, your privacy on the internet and can be observed by anyone. Next time, think when posting a nice picture of you on the beach or at the airport.

If you have had a recent home burglary and are looking to claim. call us on 0333 2101 999. 

Click here for more info on Domestic Burglary Claims

Sponsor Middlesex Wanderers after Hurricane


Oakleafe.Claims Proud sponsors of the Middlesex Wanderers who are touring Turks & Caicos to play the TCIFA national side in support and solidarity after Hurricane IRMA. Oakleafe are Public Adjusters Helping The Island To Recover from Storm Damage.

Who are Middlesex Wanderers A.F.C?
Middlesex Wanderers Association Football Club founded in 1905 they have visited more than 40 countries and have played against the national sides of many of them, including Japan, Nigeria, and South Korea, as well as clubs like Ajax, Barcelona, and Bayern Munich. Their objective is to promote friendship and good sportsmanship between the UK and other countries.

Their current tour is: Hurricane Irma Solidarity Through Sport Tour

Besides from playing two matches on the island, one with the TCIFA National Side and one against the Champions Team. The players and coaches will also get the opportunity to provide football coaching sessions for the local children. 


Fire Hazard! Failing Appliances On The Rise

Fire Hazard! Failing Appliances On The Rise

White goods appliances - mainly washing machines and tumble dryers - account for as many as 60 house fires a week in the UK alone according to Which? The number of fires has increased each year for five years. Which? wants the authorities to tackle the issue of fire damaged properties due to appliance failure