The fish and chip shop caught fire on the 18th June 2013, when the clients accidentally left a pan on the heat.
Bristol
The fish and chip shop caught fire on the 18th June 2013, when the clients accidentally left a pan on the heat. Fortunately the building itself sustained only superficial damage, but the stock was destroyed and the equipment and appliances were ruined, all of which disrupted their ability to run the business.
We immediately contacted the insurance company’s loss adjusters so the claim could be negotiated as quickly as possible. Forensics experts were called in to confirm the clients’ statement of events, which they were able to do very early with the help of CCTV. We made sure that the stock, buildings and contents claims were soon concluded, meaning repair work to the site could begin. This included removing the damaged range and replacing it with a new model. At the same time, the clients were able to redesign and improve the layout of the business, and to carry out these plans in conjunction with the insurance works.
Our chartered assessor quickly negotiated a realistic and accurate claim with the loss adjusters, which sped up the entire process for the client. This included a very detailed loss of gross profit claim for the eight months the business was unable to trade. Thanks to us, the client was able to rebuild the business in a new way that suited their needs. We secured interim payments that covered a new frying range and contractors for the integral works, including joinery, electrical jobs and decoration.
At this point, you would hope that your insurance company is there to help but unfortunately, this is not always the case. We have known families who have felt intimidated by insurers and have been treated as though they have done something wrong, or are in some way to blame for their situation.
How to respond to a Loss Adjuster
Why they ask
This is to compare your version of events against your policy coverage and timelines.
Smart answer
Always stick to the facts. Avoid speculation or emotional exaggeration.
With a loss assessor
A loss assessor will help you structure your account clearly so you don’t over- or under-share.
How to respond to a Loss Adjuster
Why they ask
They’re basically verifying if the event falls within your coverage period.
Smart answer
Be as specific as possible with the date and time.
Avoid
'I think it was last week sometime...'
Tip
A loss assessor will ensure that this matches other documentation, like alarm logs or photos.
How to respond to a Loss Adjuster
Why they ask
They want to confirm the circumstances and establish liability or negligence.
Smart answer
Answer honestly and clearly, and mention if others were present.
Tip
If others witnessed the event, a loss assessor may advise collecting statements from them to bolster your claim.
How to respond to a Loss Adjuster
Why they ask
They want to validate the items you’re claiming for.
Smart answer
Where possible, provide receipts, invoices, photos or warranty documents.
No receipts?
No stress, a loss assessor may be able to help you establish the value using alternative methods.
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