Fire Claims

3 Insurance Claim Mistakes Most People Make

Mistake.jpeg

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.

Conclusion

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.

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

home-fire.jpg

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.


home-cable-mess.jpg

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.




home-chimney.jpg

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.


home-gas.jpg

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.

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

Fire Safety – The Importance Of A Smoke Alarm

Fire Safety – The Importance Of A Smoke Alarm

Smoke alarms are available from most high street retail outlets. Your local fire brigade will be able to advise you further, but any model with either a British Standards Kitemark, or a Loss Prevention Certification Board (LPCB) symbol, will have been rigorously tested for its safety and reliability. 

Dealing With Water Damage Insurance Claim

Dealing With Water Damage Insurance Claim

An EOW or escape of water - a leak, to you and I - has been deemed the most common cause of home insurance claims. And the number one cause of water damage in the home is burst and frozen pipes. Even a small leak can do serious damage.