In summer 2012, a serious fire broke out in a flat above a newsagents on the main parade in Chorleywood, Hertfordshire.
Chorleywood
In summer 2012, a serious fire broke out in a flat above a newsagents on the main parade in Chorleywood, Hertfordshire. Our client owned the whole block, comprising separately let retail units on the ground floor, and six residential flats above. The blaze destroyed the flat where it started, and caused extensive damage to the other properties.
We attended the scene the day after the fire. Our in-house chartered surveyor/director Alan Hintz compiled a team to determine the scope of the damage, and evaluate the initial works needed to protect the building from further damage. Being involved from the outset allowed us to prepare a suitable strategy to help the owner recover the building and cause minimum disruption to the tenants.
We had the property stripped out in order to identify the full extent of the damage as early as possible. This allowed for the construction of a complex temporary roof, which enabled tenants to return to their properties, and business owners to continue trading where possible. Our early investigations revealed that the damage was worse than had initially been expected, as the fire had risen up through the building and caused damage to the roof.
Having investigated the full reach of the damage, we made sure the entire roof was replaced. Despite the extensive repairs and rebuilding, only the flat where the fire occurred remained closed for the duration of the project, and the other properties were affected for a relatively minimal period. Involving us from the start enabled us to deliver a quick and thorough response that suited the tenants as well as our client.
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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