Insurance Claim Solution Loss Assessors received a call from a landlord who had suffered extensive fire damage to an apartment on the top floor of his building.
The fire brigade had successfully extinguished the fire, but in the process had soaked the entire building from top to bottom causing secondary water damage to other apartments in the building.
A lot of this damage was not apparent on initial inspection, and it could easily have been missed without a proper investigation.
Fire Damage – ICS Loss Assessors Intervention
Fortunately, the owner of the building contacted ICS Loss Assessors and requested us to handled the assessment and the claim. Our examination of the damaged apartment and the rest of the building showed that all of the other apartments had suffered damage as well.
We conducted our own an independent assessment of the damage and carried out extensive testing of plaster, timbers, kitchen units and concealed areas. We discovered that each one of the 5 apartments suffered from secondary damage to ceilings, walls, floors and kitchens as a result of fire brigade actions and required extensive reinstatement.
Following this examination and a thorough assessment of the damage, the secondary damage to all 5 apartments was included in the claim alongside the fire damage to the top floor. We then presented the claim to the insurer and negotiated the settlement on the landlord’s behalf.
This allowed him to have the building repaired and the apartments redecorated with as little loss of rental income as possible.