Going Smooth on your Fire Insurance Claim

Going Smooth on your Fire Insurance Claim in UAE

The aftermath of a fire on your property requires careful dealing. Getting your property restored and getting your life back to normal would certainly take time. Applying for the insurance claim post the fire is often a painstaking process that requires planned effort. In order to ensure that the claim on your fire insurance goes smoothly, you need to strictly follow a procedure to ensure a faster fire claim settlement:

Inform your insurance company

Inform the fire insurance company as soon as a fire explosion occurs on your property. They will ask you to submit your claim with details of the losses either online or by sending an email to them.

File a claim

File the claim request with precision. Ensure that you mention accurate description on their claim request form, which require the below details and allied documents:

• Date of fire explosion
• Type of damage and loss (substantiated with photographs)
• Any associated injuries
• Condition of property
• Description of damaged items
• Location of the property
• Others involved
• Police FIR copy (In case, police is involved)

Note: We insist you to carefully analyze all the damage that occurred before filing the claim. Once you are fully confident that you haven’t missed anything, file your claim and let the Insurance experts do their jobs.

Estimation of losses

The company will then send a competent surveyor to ascertain the total damage. Upon arrival, walk the estimator through your property to make sure he/she takes note of the complete damage. Make sure that you preserve all burnt items and keep evidence of damaged items. Also ensure you do not renovate or repair any damage caused to the property as it can hinder the process of the reimbursement.

Co-operate in the investigation

The claim estimation will be based on the surveyor’s report and we advise you to cooperate fully with the investigation team. Present all original evidence required by the surveyors to assess the loss. Keep ready all the set of required documents for the insurance claim and provide substantiated evidence of burnt, damaged and lost items. Furnish any additional information when requested and keep original forensic and investigation reports for future reference.

The following documents need to be ready for the claim:

• • Duly filled claim form
  • Certified copy of the insurance policy
  • Photographs of the damaged property
  • Fire brigade report
  • Copy of police FIR report (if any)
  • Copy of newspaper report (if any)
  • Previous claim history (if any)

Review your policy and the estimate you receive

After you receive an estimate from your insurer, be careful to review the terms and conditions of your policy. Compare the estimate with the compensation clauses in the policy to ensure it matches the coverage you paid for. If you feel that the compensation amount is below the expected line, you can raise the issue with your insurer and request them to revise the estimate.

Whenever you file a fire insurance claim, the insurance company carefully verifies the claim and scrutinizes the documents and evidence prior to issuing compensation. By being patient and following the right process, you can secure a favorable fire insurance claim settlement.

For any more queries or better clarity on the claims process pertaining to your specific case, you can always contact our insurance agents who are ever willing to offer support and guidance.