Mr Singh: Domestic Fire & Smoke Damage

Location: Fulham, London
Incident: Fire & Smoke Damage

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The Incident

When Mr Singh & his family suffered a fire in his kitchen at home, the resultant damage left the home uninhabitable and the family essentially homeless. The smoke damage was serious but the effects of the water from fireman’s hoses exacerbated the situation.

“I spoke to some contacts at the temple to see what support we had in place for people in our situation. They put me in touch with members of the community that had suffered something similar
and Oakleafe were mentioned to me. I was in a desperate situation being told a dozen different things by people around me so I took the plunge and made the call. One of their team arrived the same day and took control of the situation.”

This is a common problem with policy holders failing to present the claim in the correct manner. It is not the insurance company’s responsibility to prepare and present the claim. In fact in essence you are not insured until you prove there is an insured peril and insurers accept liability. In this case we needed to prove it was a leak and not rising damp that was the issue.

How Oakleafe handled:

  • Organised alternative accommodation
  • Arranged for mitigation works to be undertaken
  • Engaged drying equipment to be installed
  • Assigned decontamination teams to clean the property
  • Appointed Chartered surveyors to scope damage
  • Handled all meetings and negotiations
  • Collated and presented the contents claim
  • Agreed costs for Mr Singh’s builder to undertake repairs

The Result

“My family is the most important thing in the world to me. Oakleafe put them first. All I had to do was concentrate on making sure they were ok and ensuring our lives could continue as normal as possible. This would not have been possible without Oakleafe. They took away all the stress and pressure in dealing with the claim. They did all the meetings, all the paper work and had access to specialists that I wouldn’t have known where to start. I believe they got me my full entitlement which I am convinced was double what I would have been able to manage myself.”

Summary
Review Date
Reviewed Item
Insurance Claim - Domestic Fire Damage
Author Rating
5