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

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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.


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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.




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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.


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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.

Conclusion

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

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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.

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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.

The future of Insurance Claims and use of Technology

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

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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.

Security

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

Oakleafe Claims Sponsor Middlesex Wanderers tour after Hurricane IRMA

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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. 

Gallery

Fire Hazard! Number Of Failing Appliances On The Rise

Fire Hazard! Number Of 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

I just had a Fire or a Flood and I need to Claim, What should I do?

I just had a Fire or a Flood and I need to Claim, What should I do?

I just had a Fire or a Flood and I need to Claim, What should I do? The very first thing you need to do is to engage a Loss Assessor. It is your responsibility to mitigate any damage and prevent it from spreading. Insurance Loss Assessors have vast experience in Insurance Claims Management 

Insurance claims – 1 in 5 Claims Repudiated

Insurance claims – 1 in 5 Claims Repudiated

New statistics claim that one in five home insurance claims is repudiated (not paid) by Insurance companies. The Association of British Insurers published figures to promote transparency and understanding with consumers and the general public.

Insurance Fined For Playing Devil’s Advocate

When dealing with a claim, Insurance Companies would usually hire a Loss Adjuster who would actually seem independent but are actually paid for and only work for the Insurance Company. This means that when the Adjuster's time come to adjust your loss, they would be working with a small bias

A Short guide to flood recovery

A Short guide to flood recovery

Recent storms have made us more aware of the effects that heavy can have on our communities. Making good damage to your home after flooding is tough. It doesn’t have to be too difficult with the right assistance. Maybe you reside in a high-risk flood area. The following will help you in the event of a flooding incident

Characteristics of fire and smoke and fire damage insurance claims

Characteristics of fire and smoke and fire damage insurance claims

The Dangers of Smoke Residue The fire triangle- Fuel, Oxygen and Heat. In laboratory conditions these 3 elements balanced result in complete combustion. In the real world of Fire insurance claims , the unequal balance of the 3 elements result in smoke residue (soot) being produced to some degree.