Subsidence, Fire, Storm & Flood
If you are unfortunate to experience any of subsidence, fire, storm or flood, then you will probably have to make a claim on your insurance. To get the best level of compensation, it would be wise to have a professional representing you. Remember that the majority of insurance companies and their loss adjustors will generally try to minimise the pay-out.
When subsidence is suspected, usually because there are cracks evident, it is necessary to undertake a survey. A property might start cracking for several reasons, so it is necessary to determine whether it is in fact subsidence, or whether there is some other reason.
If subsidence is suspected, it is usual for the insurance company to insist that the cracking is monitored for a period of time. This is to determine whether the cracking is continuing before deciding what remedial action is required.
We will investigate and prepare a report, monitor the cracking, prepare a specification and supervise the repair works.
Fire, Storm & Flood
Most of the damage will be very obvious! However there are parts which are not so obvious. In the case of fire, damage will also be caused by heat, smoke and water (from the Fire Brigade).
We will survey the property, prepare a specification of repair and reinstatement works, and also deal with the local authority and insurance company on your behalf. We will also negotiate with the loss adjustor to ensure that the reinstatement complies with current building regulations.