Fire Damage Claims

Fire Damage Claims in the aftermath of a house fire can be overwhelming. Similarly, commercial fires can be devastating to your business. Indeed a serious fire is one of the most devastating events that a homeowner, business owner or landlord can face. Often the fire damage is dwarfed by the damage caused by smoke contamination and water damage from both firefighting and possible exposure of internal structures and contents to the weather.

Premium Claims through enormous experience understand fully the level of destruction and disruption a fire can cause and we’re here to ensure that your insurance policy responds with the best settlement that you are entitled to.

Often more destructive than the fire itself smoke can permeate throughout the home or building even from relatively small fires.

• Contents like furniture, clothing, carpets and curtains etc are often unaffected by the fire but are damaged by the smoke. It can be very difficult to remove the odorous and corrosive smoke particles resulting in lingering smells making it necessary to replace otherwise undamaged items.
• Elements of the building like wooden floors, plasterboard ceilings, roof timbers wall plaster etc can be similarly compromised by smoke. While smoke can be sometimes cleaned often it can’t. Smoke can leave residue in inaccessible places like wall or ceiling cavities where it can be trapped. Insulation is particularly vulnerable to smoke damage.