A fire at your shop, office or business premises is, without a doubt, a very traumatic and upsetting experience. Not only can the fire cause structural damage but it can also damage your stock or equipment and even affect the jobs of your employees. All of this is only added to by the damage caused by smoke and water. If a fire is bad enough it may even force you to close while repair work is carried out contributing to a loss of earnings and income for you and your staff.
Most business owners underestimate the extent of the damage that has been done, and this is where an independent loss assessor can be useful. A professional loss assessor, like Devine Claims Consultants, will effectively assess the damage caused by fire, smoke, water and many other visible factors. We will be able to identify areas of damage that may be otherwise invisible, i.e. places where the fire never even reached but have suffered from melting, warping or smoke damage. Once we have fully assessed the damage caused and the associated costs, our team will negotiate with the insurance company on your behalf to get you the best available settlement.
A fire at your business premises is an overwhelming and upsetting experience and there will be a lot of loose ends you will have to tie up. This is not helped by the insurance claims process without your own assessor as even a small fire can lead to major complications on your own. Handling this by yourself can be stressful and tiring, and in the end, many receive far less than they are entitled to.
Devine Claims Consultants have over 20 years experience dealing with commercial and business fire claims and works. Our expert and knowledgeable loss assessors will effectively determine the extent of the damage caused, even damage that may not be obvious at first. We have an in-depth knowledge of commercial fire insurance claims and will ensure that you receive the full settlement you are entitled to.
How hard is it to handle my business fire insurance claim myself?
A fire in your business is very difficult and upsetting. On top having to have the damage assessed and repaired, suppliers to notify, customers to contact, find alternative premises for the stock, etc., you also have to let your employees know that their employment may be paused for a while and let any other stakeholders know what has happened. The added stress and complication of an insurance claim is not ideal. When you enlist the help of a loss assessor it ensures that your case has dedicated management and we are solely focused on achieving a successful outcome. This allows you to focus on the other aspects of getting the business up and running again.
The fire was put out quickly but there is a lot of smoke damage. Am I still covered?
If the smoke from the fire has caused more damage than the actual fire itself you are still covered by your insurance policy. The smoke damage occurred as a result fo the fire and it does no matter how quickly the fire was put out. It is very easy for smoke to travel throughout the business property and cause damage in places where the fire didn't even reach. Any decent insurance policy will cover any loss as a result of smoke damage.
How can I get the maximum settlement for my fire insurance claim?
The easiest way for insurance companies to dismiss fire insurance claims is a lack of evidence. Make sure that you record all damage and loss occurred. Take photographs of the property before clean up begins and keep them in a safe place. Also, keep a detailed record of the exact items that were damaged and the cost of the items. If you are using a loss assessor then they will be able to use this evidence to strengthen and support your fire insurance claim to maximise your entitlement in line with your policy.