Chimney Fire Damage Insurance 267
by Admin
Posted on 25-03-2023 04:06 PM
How can i
find
out if a kitchen fire has damaged other parts of my house?
if the fire was contained to the kitchen and put out before it spread to the rest of the house then it unlikely that there is immediate fire damage in other rooms. However, smoke and soot damage can spread much farther than the actual flames. At devine claims consultants we will conduct a thorough inspection of your entire home to identify what areas of your home were damaged by soot and smoke. My insurance company says that will only pay for repairs to my living room (where the fire happened) and not for damage anywhere else.
If our survey reveals that you have had a fire you could claim off your household insurance for the damage to be rectified. When making an insurance claim the property owner/insured person would contact their insurance company to initiate the claim process and will be assigned a loss adjuster. From this point, we will deal directly with the loss adjuster on your behalf by sending a full written survey report with photographs and a copy of the cctv footage. We will endeavour to get this information to the loss adjuster prior to them undertaking their assessment at the property to make this process as quick as possible for you the homeowner.
A chimney fire is a frightening occurrence and can be potentially dangerous to your property our client contacted us to say that she noticed a crack on the chimney breast internally and a crack on the chimney stack. Our assessor visited the property to inspect the damage. It was apparent that some form of damage was caused to the chimney and she arranged for a cctv survey to be carried out to examine the flue. The survey confirmed damage to the flue as a result of a chimney fire. Clearys loss assessors reported the claim to insurers on our clients behalf and met with the loss adjuster to agree scope of works required to remedy the damage.
There is good news and bad news when it comes the ability to make valid claims on your homeowners’ insurance related to chimney damage. In general, damage that occurs as a result of a sudden, unexpected incident will usually be covered. Damage resulting from normal wear and tear is typically never covered. Ultimately, however, the final decision regarding what is covered by homeowners’ insurance when your chimney needs repair is determined by your insurance policy, the company you are insured with, and the agent you work with on a claim. Common chimney issues covered by insurance the top two issues that homeowners make successful insurance claims on with regard to chimney damage are in the event that:.
Then why not contact us first to do a chimney survey.
If you have suffered a recent chimney fire, the first thing you need to do is contact a registered loss assessor like claims assist. We are experts in chimney fire damage insurance claims
we will arrange a chimney cctv inspection of your flue liners.
By carrying out this cctv survey of your chimney we can determine if your flue liner is cracked or damaged. If chimney fire damage is visible we can report your claim to your insurance company. As insurance claim specialists we will ensure that all the resultant damage is covered under your insurance. With our loss assessors expertise in chimney fire claims, we will get your claim settled in a swift and stress free manner.
Not sweeping your chimney is the lead cause (this is of paramount importance when you buy a house which your not aware of the chimney cleaning regime or history – always, always have a chimney cleaned and checked before you light the first fire in a home you have just occupied). A good idea offered by chimney ireland & nationwide chimney repairs is a cctv chimney survey which will assess the condition of the chimney flue & stack for any blockages, cracked flue liners or hidden damage, build up of tar and soot etc. – contact them on 1890 929 555 and ask about the offer currently run where the cost of the cctv chimney survey inspection & report is discounted from any chimney repairs you have to undertake which provides you with a substantial saving on top of the satisfaction of knowing your fire or stove is ready to use & heating your home with the warmth & comfort of a real fire won’t lead to the disaster of your chimney going on fire !.