Hassle Free Insurance Claims
When disaster happens
There are two types of disasters: natural and man-made. The occurrence of fire is present in both categories. As property owners, we can try to prevent fire by fireproofing, where possible, and minimising risks. Fires are usually sparked by electrical faults or human error. But what if an unavoidable accident occurs? Or your home or business is damaged as a result of a fire in your neighbour’s property?
Under the Accidental Fires Act 1943 there is no liability for the spread of a fire which has been caused accidentally. We can never really be prepared for disasters, even if we play our cards right. The best thing we can do is to have a solid plan that we can execute in the event that a disaster occurs in our home or business. Property Insurance is critical to that plan, but that is only the starting point. If there is negligence involved there may be a recovery against a third party. Appointing a Loss Assessor to fully document and photograph the loss and damage can be essential to a successful outcome.
Stressful or what?
Dealing with the aftermath of a fire can be time-consuming, exhausting and stressful. Dealing with Insurance Companies and their representatives is another challenge altogether. You may find the claims process to be prolonged and subject to extended investigations. You may even find policy liability denied.
The onus is on you to demonstrate your loss, prove compliance with the insurance contract, and compile and submit your statement of claim. You will also have to deal with insurers appointed experts and their correspondence.
Who to turn to for help?
Household, Commercial, and Business Interruption claims require expert professional handling. Insurance Brokers are generally very knowledgeable about the process, but are not in a position to assess the damage and compile the claim for you. They can only advise you of who to appoint or what estimates or paperwork you may need to submit, and possibly make representations on your behalf. This is where a regulated Public Loss Assessor comes into their own.
Public Loss Assessors are the saviours of victims of fire, because we can smooth the entire insurance claims process on your behalf. We are engaged by you the policyholder, and “we will represent your best interests to the fullest“. Public Loss Assessors are specialists in the area of damage assessment, negotiation and settlement. We are knowledgeable in dealing with the small print of insurance policies, and often complicated requests from Loss Adjusters and Insurers. Our pro-active approach and expertise means that we are capable of speeding up the entire claims process and getting you the maximum settlement under the terms of your policy.
Expert Professional Help
You may have a myriad of questions and doubts over the whole claims process. A Public Loss Assessor can take over all the hassle and paperwork, leaving you free to concentrate on getting your life back on track, without the added stress and uncertainty that your insurance claim will entail. Your claim will be dealt with in a professional way and you will have levelled the playing field in your favour. We can remove some of the hassle and uncertainty, answer all your queries, and bring clarity to your situation.
Never allow an insurance company to mess you around for something that you paid for in good faith. Get the help of a Public Loss Assessor so you can get the most out of your insurance settlement.