Fire Damage

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.

Conclusion

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.

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.

Conclusion

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.

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.

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

9 Tips to Avoid Insurance Claim Nightmares

9 Tips to Avoid Insurance Claim Nightmares

Frighteningly, Halloween & Bonfire season see a sharp spike in fires and theft related crime. Making a claim and dealing with an Insurance company can be scary, fire damage insurance claims are a nightmare. It is common for people let their guard down and open their properties up to welcome trick and treaters.

How To Prevent A Disaster In Your Home

 How To Prevent A Disaster In Your Home

Insurance's are designed to help cover loss during a disaster. Having a good Insurance package that can cover all aspects of your home is crucial. Here is a list which we have put together that can help you identify any risks or potential hazard in your home.

Dealing with Difficult Insurance Claim

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Having a disaster in your home or business, is to say the least, a very traumatic experience and now you have the responsibility with dealing and submitting a complex and difficult Insurance Claim.

Fortunately, you have prepared well. The good news is that you have a strong insurance policy covering you against such circumstance, you have paid your premiums on time, year after year.

Unfortunately, the bad news is that the impending insurance claim you’re about to make will often seem more frightening with great difficulties and stress in comparison to the actual disaster.

Why are Insurance Claims Difficult?

Insurance Claims are Difficult because it the responsibility of the policyholder to prepare and present their claim to the Insurance Company. This could often mean you would have to quantify and justify every single aspect of the loss while trying to keep things afloat.

Insurance companies would send out their own Loss Adjuster whose sole responsibility is to represent the Insurance’s interest and investigate the cause of the incident. Additionally, they can try to interrogate you and find any possible faults which might be used to deny the claim.

Difficult Insurance Claims Lead to Repudiation

Did you know that 1 in 5 Home Insurance Claims are Repudiated (Not Paid Out). When facing difficult Insurance claims, it is common when policyholders do not not read the fine print in their insurance policies and may often find they have not met some of conditions in a policy.

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Loss Assessors can handle Difficult Insurance Claims

Loss Assessors work and represent the policyholder in the event of an Insurance Claim. Loss Assessors are independent Insurance Claim experts who can take the stress away from your claim. They work for you the policyholder, and only you. They can use their expertise knowledge and skills to deal with Difficult Insurance Claims. Loss Assessors will aim to get everything you are entitled to.

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How Oakleafe Can Help with Difficult Insurance Claims

Oakleafe is the only party in the claim process which is on your side. Insurers appoint their own specialists to look after their interests to limit the levels of their liability. We are interested exclusively in your interests, to ensure you receive everything you are entitled to under the policy.

Having handled hundreds of complex and difficult Insurance Claims with the experience of over 8 Generations. We are confident to handle all the claim process from the beginning, until the end. where we can negotiate and ensure you are returned to a pre-loss position.

Every single claim will be unique in a certain way. Whether you have experienced a Flood or a Fire & Smoke Damage, we are able to handle all aspects of the claim.

Process in an Insurance Claim

As Insurance Assessors, we take our clients through every step of the Insurance Claim and we keep them up to date with every progress made. Difficult Insurance Claims can potentially be very complex but have made a quick list below that summarises the average process in handling an Insurance Claim.

  • Notification - After an incident your Insurance Company needs to be notified of the incident.

  • Mitigation - All policies place a responsibility on the policy holder to mitigate or prevent the damage from worsening.

  • Appointing an Assessor - Our experienced in-house Assessors would be assigned to your claim who will use their wealth of experience to manage all aspects of the claim.

  • Restoration - Depending on the type of claim, a professional restoration approach would be undertaken to ensure material damage is kept to a minimum.

  • Scope of Specification - Charted Surveyors, Structural Engineers, Contamination Experts and other professionals prepare detailed quantification of the loss. All reports and claim documents would then be submitted to the insurer.

  • Negotiation - We will undertake all meetings, phone calls, communications and negotiations to achieve a satisfactory settlement.

  • Approval - Once Insurers or their representatives approve the claim we prepared and submitted to them, funds are released to enable works or professional services to commence.

If you require any information, feel free to contact us and we would be happy to help you!

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