Commercial Fire Insurance Claims
Following a fire at your business, you will have to make a number of critical decisions and each one will have a direct impact on the outcome of your insurance claim.
Having Brendan on your side, you will have the peace of mind knowing he will guide you through the entire fire claims process. Answering your questions & making you aware of all your options during the restoration of your business.
If you choose to appoint Brendan as your specialist Loss Assessor, he will ensure you stay in control. You will not have to worry about preparing your claim, overseeing works to your property or negotiating with your insurance company.
Business Interruption Claims
Business Interruption (BI) claims pertain to the loss of income your business may experience due to damage or losses from fire, storms, flooding, burglary, vandalism or water damage. The occurrence of these events can threaten the future of your business. You may have lost valuable equipment, machinery, stock or even your building if the damage was that extensive which leaves you unable to operate as normal. Not being able to operate your business as before means that you will suffer a loss of income. You need to be able to get back to trading as soon as possible. Any days lost are depleting your savings and profits.
The BI claims process is extremely complicated with a lot of fine print and many pitfalls laid out for you. It is best to approach these claims by having an Insurance Claims Expert like Brendan there to fight your battle. It is best to recruit an Insurance Claims Expert as soon as you possibly can to deal with the claim and to ensure you get the compensation you deserve. Having an expert to handle your claim will pay off in the end.
Brendan will manage your claim from start to end. He handles everything from the initial assessment trough to the documentation and negotiation stages.
It is advisable to get an Insurance Claims Expert on board before you begin your claim as it ensures you get sorted faster but Brendan can also step in and take over a claim that you have already started with your Insurer.
Brendan has worked with many businesses tackling the tricky business of BI claims. He has extensive experience in this area. His main aim is to ensure that your best interests are met. He supports you through the process, maximises your pay out figure and helps you to get back on your feet and start trading again promptly.
Working with Us - 4 Big Advantages
• interim funding
Insurance Claim Frequently Asked Questions
We work on a No Win No Fee basis
Our first appraisal is FREE OF CHARGE and we work on a no win – no fee basis.
If you’d like to use your own builder, your insurer’s builder or want a cash settlement, we can negotiate any of these options for you. In these cases, we charge a small percentage of the claim value. If we do have to charge a fee, we always expect it to be offset by the increase in settlement we achieve.
It costs nothing to seek our advise on any situation. Please give us a call on 087 2673390
Click here to read our fee options in full
While many insurance companies will assist you at the outset of your fire claim, their only responsibility is to ensure costs are covered to restore your property and replace affected contents. The most stressful and time-consuming day-to-day elements will be left to you to organise and oversee alone if you do not appoint a Loss Assessor
There is no reason why your insurance company or Loss Adjuster should discourage you from appointing your own Loss Assessor to manage your fire insurance claim. If your Loss Adjuster is trying to dissuade you from using our services, you should question why they are against the idea of you being equally represented. After all, a Loss Assessor can only help a policyholder claim for what is legally covered within their insurance policy
We provide a range of services including public loss assessing, claims consultation and even pre-loss assessments to examine your property and make sure you are not under-insured or over-insured.
The types of claims we manage include:
- Fire, explosion, lightning, earthquake
- Storm or Flood
- Escape of Water / Burst Pipe
- Impact Damage
- Theft / Malicious damage / Vandalism
- Third Party Claims
- Subsidence / Heave
- Escape of Oil
- Accidental Damage
1. Call us… BEFORE you call your insurance company
We will handle all communication with your insurance company. We will report the claim, using the specific terminology that Insurance companies understand and ensure your claim gets off on the right foot.
2. We will assess the coverage under your policy
We will review the terms, coverage, and benefits your policy offers
We explain the fine print, so you understand any restrictions or requirements specified in your policy
3. We help you secure interim funds if needed
You may be able to request advance funds from the insurance company so you can support your needs during the time the claim is being processed. We can help with this.
Work with other professionals (accountants, engineers, consultants, etc.), help you manage your finances with respect to the loss
Organize and prepare a complete list of your additional living expenses for residential claims. Work with your insurance company to obtain reimbursement for these expenses
4. Assess the Damage and Submit the Claim
We will conduct a detailed review of all damage to your property, evaluate it, and document it. This may include procuring replacement estimates or specialist quotes, which we will provide.
We will prepare and submit all completed documentation to the insurance company using industry-standard language and terminology, maximizing the likelihood of a fair and prompt settlement.