Property, fire risk management and making a claim:

Every year, there are over 50,000 fires at properties which cause around 350 fatalities and injure over 10,000 people.

These statistics highlight the need for action to be taken to reduce the risk of fire in the home. The installation of automatic fire detection devices will aid the early warning of fire while the provision of an ‘action plan’ in the event of fire will help ensure the safe evacuation of residents and/or employees.

Areas of risk to be considered include but are not limited to:

  • Use of heat/appliances in domestic and commercial premises
  • Electrical plant and machinery
  • Smoking
  • Naked flames – open fires, furnaces and candles
  • Portable heaters
  • Flammable products/furnishings

In order to progress a claim, your Insurers will ask that you:

  • Report the loss/claim promptly
  • For large incidents, a loss adjuster will be instructed by Insurers to aid the fire investigation and assist with preparation of the claim

For smaller incidents, you should:

  • Take reasonable action to mitigate the damage by removing items not affected by the fire
  • Provide the Emergency Fire Service report and/or their reference number
  • Take photographs (where safe to do so) to evidence damage
  • Prepare an inventory outlining the extent of damage and losses to be claimed for
  • Provide evidence of ownership of damaged property via invoices or receipts
  • Prepare estimates to replace damaged property on a ‘like for like’ basis

In the event of a fire…

Telephone 999 for assistance from the Emergency Services. Keeping everyone safe, please arrange to notify Thomas Carroll and/or your insurers at the first available opportunity.

During office hours please contact your dedicated Thomas Carroll Claims Executive or alternatively, call our offices on 02920 853788.

In the event of a fire outside of business hours, please follow procedures in your Policy wording.