Chinese Restaurant – Fire & Smoke Damage

Location: Southend On Sea
Incident: Fire & Smoke Damage


The Incident

Mr Chow’s restaurant was gutted by a blaze that started from a faulty electrical appliance. The insurer’s forensic team went in to look for any indication that the insurance company could repudiate (kick out the claim) on a technicality relating to a warranty on the policy. We successfully argued against this element and got the claim paid.


“I started to handle the claim by myself as the Insurance companies representatives were quite friendly. I realised probably too late that the friendliness was just smoke and mirrors. When I received the letter stating they were not going to pay my claim I was horrified. Oakleafe had helped one of my friends that had a claim previously and were recommended to me.”

How Oakleafe handled:

  • Engaged an independent forensic team to analyse the faulty article

  • Prepared and presented a new claim format to insurers

  • Handled all communications, meetings and negotiations

  • Insurers accepted the claim

  • Client received his full entitlement

The Result

“Oakleafe are worth every penny. There is absolutely no way in the world I would have got my claim paid without them. My life had been turned upside down and I trusted insurers to help me when I was at my most vulnerable. I should have got them in from the start but I wasn’t aware that all these people the insurers appointed were not there to help me. All that time they were looking for a way to not pay my claim. Oakleafe were the only people on my side all the way through the entire process, never took a penny until they got me some money and most importantly took all the stress away from my family.”

Review Date
Reviewed Item
Insurance Claim - Commercial Fire Damage
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