It is your responsibility to make your property safe & mitigate any further loss (stop things from getting worse). Legally, you are responsible for ensuring everyone entering the property is safe.
Family & Pets are a priority. Find somewhere temporary to stay in that's convenient & comfortable. Also resource storage facility for chattels.
Engage Oakleafe Loss Assessors. We will handle the entire claim process and take the stress away. Consider the pitfalls if you don't.
Most Insurance companies have a dedicated claim line, you need to tell them immediately about your loss. We can assist with this.
The Insurance company will appoint their own representative called a Loss Adjuster to investigate the circumstances of the claim. They will then report back to their principles as to whether they should pay or not.
A Chartered Surveyor who is a specialist in Insurance Claims needs to produce a scope of the damage. Insurers will pay for this. The Surveyor will also oversee the reinstatement works.
Contractors should initially make any emergency repairs. Insurance works builders are niche. The cost of works will be met by insurers & overseen by your Surveyor. Major works will go to tender.
You need to prepare & present your claim for damaged items. This needs to be accurate, justified & provable.
You now need to secure long term accommodation for the duration of works. This must be agreed with Insurers to cover the costs.
The reinstatement scope will go out to tender. The best value contractor will be awarded the works. A pre-contract meeting with surveyors will begin the reinstatement process & continue until completion.
You can now return home & a final claim is submitted to include all out-of-pocket expenses.
If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.