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Fire Damage Claims
Fire and explosion damage to domestic, and commercial buildings, and their contents.
Historical evidence indicates that there are often more than 85000 incidents of fire damage within buildings in the United Kingdom in any given year. About 60% of these fires occur in domestic households and the remainder are commercial fires.
If you have been unfortunate to have suffered fire or explosion damage at your home or business premises there are important factors to immediately consider. Physical damage caused by the flames and the explosion itself is obvious enough, but the effects of smoke and carbon deposits are often overlooked and yet can be very destructive to any building or its contents. The extent of these deposits varies in magnitude but even the finest particles can cause irreparable damage to surfaces and finishes of a buildings fabric or its fixtures. The soot particles from a fire or explosion can be equally destructive to contents such as hard and soft furniture, clothing, books, electronic or electrical items , foodstuffs, machinery and plant, and other general stock and packaging. The speed and appropriateness of any salvaging measures are thus vital if affected items are to be successfully restored. When a policyholder has suffered damage or loss to a house or commercial building by fire it is therefore essential that they engage their own impartial expert fire insurance Loss Assessor.
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Stress free management of claims
We help you get cash settlements
We provide a hands-on approach
What we offer
The Premier Property Claims are specialist consultants in handling fire damage and explosion damage insurance claims. Premier Property Claims provide expert help assistance and guidance to the policyholder(s) in the management of fire and explosion claims involving damage to houses, or commercial premises such as factories, industrial units, offices, public houses or restaurants. Immediately following a fire or explosion Premier Property Claims can assist with the arrangement of emergency repairs to make the building safe and watertight and to ensure that mains services are safely terminated or resumed if appropriate. We assist all our clients by preparing a schedule of loss and of the repairs that are required and negotiate a settlement with your insurance company or their loss adjusters on your behalf.
When appropriate we engage associated structural engineers and other experts to comment on the cause and extent of damage and offer their expert opinion on remedial works required.
Your insurance company is likely to appoint a Loss Adjuster or claims handler to deal with your claim but this is to protect their own interests. These representatives operate under heavy workloads and your claim may not be given the focus it deserves. Adjusters and Insurance Claims Inspectors do not prepare your claim, they adjust the claim you submit. Other expenses may be recoverable of which you are unaware. If you prematurely agree a claim with insurers it may be too late for them to subsequently reconsider additional items
Insurance policy wordings are complex and difficult for a policyholder to understand. An insurer or his representative have the advantage and will often attempt to construe the wording in their favour as opposed to the policyholders. Acting as your own dedicated Public Loss Assessor Premier Property Claims understand the policy wordings and have the knowledge and experience to redress the balance and ensure that your fire damage or explosion claim is given the fullest and fairest consideration by insurers that it deserves.
It is therefore essential that you are suitably (Who are FCA Regulated) represented by your own professional Loss Assessor as soon as possible after fire or explosion damage is discovered to ensure the claim is properly and accurately presented and you receive the maximum benefit under the policy.