Claims
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Fire Insurance Claims
A fire in the home is a traumatic experience for the whole family. Physical damage from the fire canextend into areas not visible and the soot will find its way into every nook and cranny in the house.The soot is corrosive and will eat into the electronic components of TVs, Videos and DVDs,therefore it is important that your home is thoroughly cleaned to prevent further long term issues.
You will have questions following the fire to your home, some of which may be:
- How long will it take to make my fire insurance claim?
- Where can my family live while the fire damage repairs are going on?
- Do we have control over what work is carried out on our property?
- Can we choose which Surveyors and Contractors work on our home, rather than having to use the ones favoured by the insurance company?
- How can we be confident the repairs have been thorough?
- How do we put together the contents and buildings claims to ensure we get everything we are entitled to?
- How will we find the time to make the daily telephone calls, attend meetings with the insurance company, loss adjuster, surveyor, contractors, supplies etc
Without the support of Loss Assessors like Nationwide Claims, it is your responsibility as the policyholder, to find answers to all of these questions – and a lot more besides. Don’t forget – the loss adjuster’s job is to “adjust” your contents and buildings insurance claim once you have spent all the time needed to prepare it for them, and although they are officially independent he is employed by the insurance company and must therefore settle your fire insurance claim as economically as possible. The reality is that without engaging the expertise of a Loss Assessing firm like Nationwide Claims you will find it very hard to guarantee your property has been reinstated to the best possible standard, and that you receive the full compensation that is due under your home insurance policy. -
Flood Damage Insurance Claims
Flooding, whether due to a burst riverbank, flash flood or broken water main is a traumatic and frightening experience.
No matter where the flood water came from, it will be contaminated with sewage and/or other pollutants. Extensive sanitation following ‘stripping out’ will therefore be required before dehumidifiers are installed and the drying process commences.
The drying out of a flooded property is a specialist operation; too much heat and rapid drying can cause shrinkage and more damage to the property than the flood water itself. Insufficient drying and a lack of anti-fungal treatment before refurbishment work commences can lead to wet & dry rot problems in the future – problems which are not, incidentally, covered by your insurance policy.Many other issues also need to be addressed, such as:
- Where do you stay while repairs are being carried out?
- How long will it take?
- Do you have to use the insurance company’s surveyors and contractors?
- Who decides what work needs to be done?
- How will you know if the work is being carried out correctly?
- Who will prepare the contents and compensation claims?
- How will you know you’re getting what you’re entitled to?
- Who will co-ordinate the claims and deal with the daily telephone calls, meetings withthe insurance company, loss adjuster, surveyor, contractors, suppliers etc?
Unless you appoint a claims consultant like Nationwide Claims, you as the policyholder are responsible for all of the above – and a lot more besides.
Don’t forget – the loss adjuster works for the insurance company and is only interested in looking at the costs once they have been presented to him. He is not responsible for preparing your claim.Flood Damage Claims
Even if outwardly friendly and helpful, the loss adjuster reports to the insurance company and must settle the claim as economically as he can. Unless you happen to be an insurance expert yourself, you simply won’t know whether what he is telling you is correct or not, or whether you are getting what you’re entitled to.
Even if you’re able to reach agreement with the loss adjuster, it is becoming increasingly common for the insurance company to reject their recommendations and try to adjust the claim downwards.
Engaging specialists like Nationwide Claims to look after your interests is the only way you can be truly sure that your property is reinstated correctly, and that you receive your full entitlement in all respects. -
Subsidence Insurance Claims
Subsidence at your home can be catastrophic and put at risk what for most people is their most valuable asset. Before the insurance company will accept that you have a valid claim, there will need to be extensive site investigations such as trial holes, soil tests, drainage tests and monitoring that can go on for months or even years. Throughout this period, you have to endure the distress of seeing your home literally falling apart around you.- How long will it all take?
- Who decides what work needs to be carried out?
- Do you have to use the insurance company’s surveyors, engineers and contractors?
- How will you know if the work is being carried out correctly?
- Who will co-ordinate and present the claim and deal with the daily telephone calls, meetings with the insurance company, loss adjuster, surveyors, engineers, contractors and suppliers etc?
Unless you appoint a claims consultant like Nationwide Claims, you as the policyholder are responsible for all of the above – and a lot more besides.
Don’t forget – the loss adjuster works for the insurance company and is only interested in looking at the costs once they have been presented to him. He is not responsible for preparing your claim. Even if outwardly friendly and helpful, the loss adjuster reports to the insurance company and must settle the claim as economically as he can. Unless you happen to be an insurance expertyourself, you simply won’t know whether what he is telling you is correct or not, or whetheryou are getting what you’re entitled to. -
Burst Pipes Insurance Claims
Water damage at your home can be extremely inconvenient in all sorts of ways.
As soon as the safety aspects are dealt with, the most important thing is to try and return your life to normal at the earliest possible opportunity. This is where we come in. We can offer you a complete claim management service.If you have suffered domestic water damage, the very best advice we can give you is to contact us as soon as possible – whether or not you have already made your claim.
We have helped many people in circumstances similar to yours and know exactly how you feel and the problems you are facing. We will support you every step of the way and will do our very best to ensure that you do not lose out financially or otherwise. Please call us on (01) 8822988 right now, or take a minute to complete our online enquiry form. You’ll be glad you did.
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Burglary
A burglary at your home can be traumatic and leave you feeling violated.
Many issues need to be addressed, such as:- Who will deal with the repairs to your home?
- How can you prove what has been stolen?
- How will you calculate your claim and who will arrange all the estimates and valuations?
- Who will co-ordinate and present the claim and deal with the daily telephone calls, meetings
with the insurance company, loss adjuster, suppliers etc? - How long will it take?
Unless you appoint a claims consultant like Nationwide Claims, you as the policyholder are responsible for all of the above – and a lot more besides.
Don’t forget – the loss adjuster works for the insurance company and is only interested in looking at the costs once they have been presented to him. He is not responsible for preparing your claim. Even if outwardly friendly and helpful, the loss adjuster reports to the insurance company and must settle the claim as economically as he can. Unless you happen to be an insurance expert yourself, you simply won’t know whether what he is telling you is correct or not, or whether you are getting what you’re entitled to.The loss adjuster will look carefully at whether the insurance company can reject or reduce your claim by investigating whether or not you have complied with the policy conditions, such as having the right locks or whether you are underinsured. If the claim is accepted, more often than not the insurance company will try to insist that they replace all stolen items through their own network of suppliers – which may not suit everyone.
Even if you’re able to reach agreement with the loss adjuster, it is becoming increasingly common for the insurance company to reject their recommendations and try to adjust the claim downwards.