More useful points to know if theres been a fire
This period is likely to be stressful so a fight with an insurance company will not be something you want to be facing. If the fire is large or the claim complex or disputed, it is possible to appoint your own expert to work on your behalf.
Known as loss assessors, they work for you, not the insurance company and their role is to:
- Meet with insurance company representatives or their appointed loss adjusters on your behalf
- Help you prepare your claim
- Negotiate the best possible settlement of the claim
- Deal with situations where a claim has initially been declined by the insurance company or where problems or delays have occurred in agreeing a settlement
Doing sensible things like having working smoke detectors throughout the house can significantly reduce the risk of serious injury or death in the event of a fire. Having a fire extinguisher available would also allow you to tackle a small fire if it occurs.
Making sure you have comprehensive home building and content insurance in place will give you valuable piece of mind.
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