Chimney Fire Damage Insurance
by Admin
Posted on 25-03-2023 10:22 AM
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.
Please note just because someone claims to be a chimney sweep this does not mean they have been professionally trained or assessed in the field. Please note anyone can purchase a hammer and wood saw from any builder’s suppliers but that doesn’t make them a qualified carpenter. Scammers carrying out “half cleans” for €35. I was investigating a large number of chimney fire claims for several household insurance companies in co. Wicklow. I found one scammer (no public liability insurance) was using a vacuum cleaner to remove only the chimney deposits from the smoke shelf located directly above the fireplace opening.
Background the complainants made a claim under their farm multiperil policy for damage allegedly caused by a chimney fire which was declined by their insurer. The claim was declined on the basis that policy conditions had not been complied with to provide cover for the chimney fire section of the policy. The complainant’s case the complainant claimed that he suffered a chimney fire and states that a crack in his chimney stack was visible which was not there prior to the chimney fire. The complainant made a claim under his farm multiperil policy which was declined by the insurer due to failure on the part of the complainant to provide “evidence of an insured peril in operation” and also the complainant had prejudiced the insurer’s position by carrying out permanent repair works.
Then why not contact us first to do a chimney survey.
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.
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.