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Christian International Ministries Church

COMMERCIAL FIRE INSURANCE CLAIM

Fire broke out on the 6th November 2008, destroying all the contents and later leading to the demolition of the building itself.

Location

Burton-upon-Trent

The Incident

Fire broke out on the 6th November 2008, destroying all the contents and later leading to the demolition of the building itself. This had serious repercussions for the church, as losing the venue meant missing out on income from congregational offerings, regular seminars and courses, and associated publication sales.

Our Response

Our specialist team assembled the morning after the incident, holding a meeting with the insurer’s loss adjusters the same day to address the most important issues. We made sure the site was secured to comply with the local authority’s requirements, so it would not pose any further threat to the public, and demolition contractors were appointed within 24 hours.

The second urgent priority was finding temporary accommodation so that prearranged and regular events could continue as normal, with minimum disruption to the congregation. Within days, we had arranged an emergency payment to cover this, enabling a conference which had been due to take place at the church on the three days following the fire to move to a function suite at Burton Albion FC. Additional facilities were sourced for future church events and services, besides temporary office accommodation.

The Outcome

Having addressed the immediate issues, we ensured the cost of demolition work was covered, and supervised this process. The team was then able to focus on preparing and submitting the paperwork. The extent of the damage and the demolition meant there was little physical evidence remaining which could provide details to support the claim. We acquired photographic evidence from the church and congregation members, together with historic documentation and inventories of contents, from which we were able to produce a detailed schedule of loss. We successfully secured the cash settlement preferred by the church leaders, enabling them to reinstate the church in a more modern style on another site. With our support, the church was able to continue supporting its congregation and to provide services to other users.

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INSURANCE CLAIM CUSTOMER REVIEWS

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  • Chris Bennett
    A wonderful service
    Dannielle Douglas was our contact with Harris Balcombe when my son, who has a brain injury, accidentally set his house on fire. It is no exaggeration to say we simply could not have managed the complicated insurance claim without her help. She dealt directly with the insurers, who could not have been more unhelpful and took months to agree a settlement, despite the fact that my son was fully insured; fought tooth and nail to get full compensation; and organised the rebuilding once it was agreed.
    Dannielle was also exceptionally kind and patient with my son, who was considerably traumatised by the whole experience, and as well as replying to all his queries kept the rest of the family fully updated with the progress of the claim.
    Based on our experience with Dannielle, I would wholeheartedly recommend Harris Balcombe to assist with insurance claims.

    Review originally posted on Trustpilot – shared with permission
  • Roy Sandler
    Highly recommended
    I have used Harris Balcombe’s services on more than one occasion now. The last occasion was a complicated claim. I found their level of service and expertise of great value. Well worth leaving it to the experts.

    Review originally posted on Trustpilot – shared with permission
  • Dovid Muster
    Extremely helpful
    Harris Balcombe always respond promptly. They show concern and were always extremely helpful.

    Review originally posted on Trustpilot – shared with permission
  • Thackray
    How to get a house rebuild under insurance without stress
    Almost three years ago, the house my brother and I inherited from our father caught fire. At the time I was caring for my wife, who had been diagnosed with MND. Harris Balcombe contacted me and said they would manage the insurance rebuild process. And that’s exactly what they did — friendly, no fuss, thorough, patient (and believe me, the insurance company behaved like total idiots, taking seven months to accept the claim, which required a lot of patience).
    Once that was accepted, they engaged surveyors, managed the inevitable pushback from the insurers as to what should and shouldn’t be done, then tendered for rebuild, engaged contractors, and finally helped tie up the loose ends which were always going to happen.
    A big thanks to HB in general, and Jonathan Ingham in particular. I would never have been able to do this.

    Review originally posted on Trustpilot – shared with permission
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