Chip Pan Fire Insurance Claim | Our client is a landlord and has a number of properties. Our client received a call from his tenant to say that a property that she was renting had been damaged by fire.
On arrival our client found out that the damage was caused by a chip pan fire. The chip pan which was left unattended had gone on fire and caused extensive damage to the entire property. Luckily, no one was hurt in the incident.
We have worked with this particular landlord in the past and provided loss assessment on a number of insurance claims in various properties. He called us first on this occasion, as he had been happy with how we handled his previous claims.
Chip Pan Fire Claim – Actions taken by the ICS Loss Assessor
We carried out a detailed damage survey of the fire damage within 1 hour of receiving an instruction. We arrived on site and found that the kitchen/dining area was very badly fire damaged. We found that the rest of the property was badly affected by heavy soot and smoke deposits on all surfaces. We reported the claim as a matter of urgency and managed to have an insurance loss adjuster on site within 24 hrs.
ICS liaised with fire and smoke damage restoration specialists to ascertain the actual value of damaged items and the restoration cost to building structure and finishes damaged by fire. Their reports gave us the evidence we needed when negotiating the claim with the loss adjuster.
Benefits of ICS managing the claim
ICS dealt with the insurer and the loss adjuster on the owner’s behalf, taking the delay, inconvenience and stress of running the claim off his hands.
The settlement agreed covered the damage to the building and contents and the loss of rental income. Our client restored the property to a standard above its pre-loss condition and recouped the rent lost as a result of the fire.