4. We will make a thorough assessment 914
by Admin
Posted on 25-03-2023 10:55 AM
Transfer of high temperatures can lead to smouldering of timbers until combustion occurs. Insurance cover with adequate sums insured and proper assessment of the loss and damage can help. Otherwise the only option is lenghty and costly legal action against the installer. Assessor balcombes balcombes claims management brokers
business
interruption claim claims consumer protection code consumers expert insurance claims advice fire flood insurance insurance broker insurance claim insurance policy loss adjusters loss assessor loss assessors property claims public loss assessor
balcombes claims management is ireland’s longest established and leading firm of loss assessors.
We have developed a systemised process that focuses our resources and attention on solving your insurance claim problem.
If you’ve experienced a chimney fire or have had major chimney damage due to a weather incident or earthquake, your repairs, restoration, or rebuild may be covered by your insurance. Most homeowner’s insurance policies will cover damage resulting from fire, wind, lightning or earthquakes. To determine the extent of your damage and whether or not your insurance will cover it, you’ll need to have a certified and licensed chimney technician inspect your system and report their findings. Mason’s chimney service technicians have decades of experience conducting thorough and well-documented inspections and can offer an honest, accurate assessment of your damage.
At first call claim we provide insurance claim assistance and loss assessments for houses that have been damaged in a fire. A house fire can result in serious structural and superficial damage. The superficial damage may be easy to see but the structural damage is usually harder to detect. In addition to the flames, smoke and soot can spread throughout the house and cause damage in places the fire did not even reach. This soot is particularly dangerous and when it breaks down it becomes corrosive and will result in further damage down the line. Damage may also be caused by the water used to put the fire out.
Depending on the nature of your home, the materials used, bespoke design features and its location, the rebuild cost could be more than its market value. This is particularly common with listed, historic or thatched properties. It is essential that you keep track of your rebuild cost, as being underinsured could leave you liable to pay part of, or the whole cost of a repair or rebuild, so it is vital that your home insurance is watertight. According to a study by rics registered surveyors barrett corp & harrington, who provide reinstatement cost assessments across the uk and europe, as much as 80% of the properties included in their research are underinsured by up to 55%, on average5.
What Does House Insurance Cover In A Fire?
Expected chimney damage, the kind insurance companies normally won’t cover, primarily includes damage due to neglect.
This means cases where the homeowner didn’t take the necessary steps and precautions to ensure that his or her chimney kept working right and stayed in good shape. We see a lot of neglected chimneys. In fact, among the thousands of chimney repair projects we’ve done over the years, a large number have been the result of neglect. Neglecting proper maintenance can lead to:
a leaning chimney
chimney fires and house fires
major drafting problems including carbon monoxide poisoning
a rusted/inoperable fireplace damper
chimney crown deterioration
because this type of damage could have been prevented, most insurance carriers are hesitant to pay for it.
At elegant fireside , one of the most common questions we get asked is, “will my homeowner’s insurance cover these chimney repairs?” the short answer is, it depends. There are many different types of homeowner’s insurance policies available out there, and the coverage varies from policy to policy. However, in our experience, we have found that most homeowner’s insurance policies do not cover the majority of chimney repairs. To determine if you can claim the damage on your chimney, let’s take a look at what part of our chimney repair services may or may not be covered by your homeowner’s insurance policy.