Black Friday and Insurance
We are all bombarded with adverts for Black Friday special offers as retailers try and entice shoppers to spend at the end of November.
Clients of ours who suffer fire damage to their home or business have their own version of ‘Black Friday’.
When fire breaks out in a home or business it causes serious damage. Smoke gets into everything and leaves a black layer of soot on every item and surface. The sudden and unforeseen nature of it can cause shock and distress to those affected. Uncertainty descends on the home or business owner.
People who encounter fire damage experience their own version Black Friday. The week after that first Friday is generally spent reviewing the devastation, as plans are made as to how they will tackle the mess. Items will need to disposed of and precious items need to be reviewed to see if they can be salvaged. This process can take several “Black Fridays” where the hands of the participants end up black as soot.
Insurance companies appoint loss adjusters and often forensic engineers to investigate the cause of fires. Nothing should be disposed of until it has been seen by the insurers’ experts. Disposal will prejudice the policyholder’s position and may affect any potential recovery action.
The policyholder must prove their fire damage loss. This entails presenting documentary evidence of the claim, and agreeing the scope of the loss and damage.
Balcombes have a team of experienced assessors who can fully assess the damage and loss. We quickly compile claim details, with complete costings for repair or replacement. Our focus is to bring calm and certainty to the situation. We negotiate the best possible settlement within the terms of the insurance policy.
Balcombes have contacts with professional restoration and salvage experts. We take the hassle and uncertainty away, and we can save clients thousands in their ‘Black Friday’ loss. Contact us to talk to one of our assessors.