Chimney Fire Insurance Claims
Chimney fire insurance claims can be complicated and stressful for a homeowner to have to deal with.
A chimney fire can cause major disruption to your home and can lead to damage that is not always visible. If this damage is not addressed straight away then this can lead to further, more serious damage down the line.
This is why it is a good idea to engage the professional services of a public loss assessor to handle your claim for you.
How To Make a Chimney Fire Damage Claim
Here are 12 useful tips to keep in mind if you decide to handle a chimney fire insurance claim yourself:
- Ensure safety: Before anything else, make sure everyone is safe, and there is no immediate danger. If the fire is still ongoing or there’s a risk of further damage, contact emergency services right away.
- Contact your insurance company: Notify your insurance company about the chimney fire as soon as possible. Most insurers have a 24/7 claims hotline for emergencies. Have your policy number and details on hand when you call.
- Document the damage: Take photographs and videos of the damage caused by the chimney fire. This visual evidence will be valuable during the claims process.
- Prevent further damage: It’s essential to mitigate further damage if possible. For instance, if there are exposed areas due to the fire, try to cover them to prevent rain or additional issues.
- Keep records: Document any expenses related to the fire, such as temporary accommodation, repairs, or cleaning costs. Keep receipts and invoices as evidence for your claim.
- Cooperate with the adjuster: Your insurance company will likely assign an adjuster to assess the damage. Cooperate fully during their inspection and provide any information they request.
- Obtain repair estimates: Get repair estimates from qualified contractors for the chimney and any other damaged areas. Share these estimates with your adjuster to expedite the claim process.
- Review your policy: Familiarize yourself with your insurance policy to understand the coverage you have for chimney fires. Knowing the coverage limits and deductibles will help manage your expectations.
- File the claim: Once you have all the necessary information, file your insurance claim. The process might involve completing claim forms and providing supporting documents. Submit these promptly to avoid delays.
- Review the settlement: If your claim is accepted, the insurance company will provide a settlement offer. Review it carefully and ensure it covers all necessary repairs and replacements.
- Appeal if needed: If you believe the settlement offer is insufficient, you have the right to appeal the decision. Provide any additional evidence or information that supports your claim.
- Complete repairs: Once your claim is settled, proceed with the repairs using the approved funds. Keep the insurance company updated on the progress if required.
Remember, every insurance policy is different, and the claims process can vary depending on the insurer and the extent of the damage. Be patient, keep detailed records, and communicate clearly with your insurance company throughout the process.
How to Prevent Chimney Fire Insurance Claims
There is a range of actions you can take to protect your home and loved ones from a chimney fire and C02 poisoning, including:
- Regular cleaning of chimneys.
- Using the right fuel for your fire.
- Avoiding burning rubbish in your fire.
- Installing a chimney capping to help prevent debris such as leaves and birds’ nests from falling into your chimney and fire.
- Installing smoke and C02 alarms to alert you in the event that smoke or C02 gas enters your home.
- Learning more about chimney fire safety.
Chimney Fire Claims FAQ
What do I do after a chimney fire?
You will need to get a builders report from a reputable chimney company to confirm what has happened to the chimney itself and to identify other potential issues which could cause further damage. This would usually be in the form of a chimney CCTV inspection. The chimney company may also offer full repair services and could potentially carry out a permanent repair for you.
Does House Insurance Cover Chimney Fire Damage?
Yes. For chimney fire insurance claims, your insurer states that if they are to accept liability for any claim, then there must be evidence of an insured peril having occurred.
In the case of a chimney fire, the insured peril that is covered under your home insurance policy would be the peril of fire.
Does house insurance cover fire brigade charges for chimney fire insurance claims?
Yes. Your insurance company will include fire brigade cover in their policy. However, the maximum pay-out will vary from one insurer to another.
Your insurance broker will be able to inform you how much you’re covered for in terms of fire brigade callout charges.
What to expect from your insurers?
Your insurer will send out an assessor to inspect your property and assess the damage caused. They will then provide you with an estimate for the repairs. Your insurer will then arrange to have the repairs carried out (if necessary) and will provide you with a quotation for the repairs. Your next step will be to check with your insurer that your policy covers the cost of a builder’s report. If it does not, You may be able to add this to your policy.
Chimney Fire Claim Loss Assessors
For Chimney Fire insurance claims, phone N.J. Carroll & Associates loss assessors for claims advice first.
We are property damage loss assessors who deal with all types of building insurance claims. We have been dealing with chimney fire insurance claims for over 30 years. The insurance company’s position will always be to try and minimize the claim payout, so we work to ensure that you receive the best possible settlement from your insurance company when you lodge a chimney fire claim.
Our main priority is to get you the maximum claim settlement payout under your insurance policy without excess delay so that you can return your home to the condition it was in prior to the loss.
We act as your representative and take the worry out of managing and negotiating chimney fire insurance claims with your insurer’s loss adjuster.
We compile a comprehensive claim submission on your behalf; hence, you won’t have to deal with all the hassle and stress yourself. You have enough to deal with at this stressful time and the last thing you need is to spend hours dealing with your chimney fire insurance claim.
Throughout the whole claims process, we are there for you and aim to take the stress and worry off your hands completely.
We will also keep you updated at all times. You won’t have to call up your insurance company and be placed on hold for long periods or have to fill out any of their complex claim forms.
Many people may be turned off submitting chimney fire insurance claims because they can be very time-consuming and at times stressful, but by putting your trust in us here at N.J. Carroll Loss Assessors, we will handle all negotiations with your insurer’s loss adjuster.
Following property damage at your home, N.J. Carroll & Associates loss assessors are dedicated to helping people get back on their feet and have over 30 years of experience.
Dealing with the damage caused by a chimney fire can be quite stressful, from managing the clean-up, finding quotations and getting your repair works carried out. It can also be difficult to gather the necessary information to try and support an insurance claim.
N.J. Carroll & Associates helps in removing this burden by preparing all the paperwork associated with your claim. We lodge the claim with your insurer on your behalf and then go about negotiating with your insurer and their loss adjuster to achieve the best possible settlement under your policy.
Importantly, our expert loss assessors will carefully assess the total damage caused by the fire, including smoke and water damage that might not be spotted early on but cause long-term structural damage to your home.
To find out more about how N.J. Carroll & Associates can help you with your chimney fire claim, please call us today on 01-4979432.