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Insurance claim after chip pan fire

angelfire
Posts: 869 Forumite


Hi my mum had a small chip pan fire last week. Thankfully no one hurt and it was put out relatively quickly.
There is damage to some of her kitchen cupboards, hob, ceiling etc, and her insurance have sent out a cleaning company who have said they’ll do a deep clean. They are then sending out a loss adjuster and she’s been made aware of her policy that states they’ll replace the cupboards that were affected and give her a percentage towards buying the rest of the kitchen, as her old one is no longer made anymore.
My question centres around the other items in the house that are now smelly and sticky. They are taking away her dining table and chairs to restore them, curtains and rug in the next room will be cleaned and also her leather suite.
This all sounds fine, but is there anything else that we need to be mindful of?
What happens if the awful fat smell that just seems to be everywhere, doesn’t go after the cleaners have been in?
There is damage to some of her kitchen cupboards, hob, ceiling etc, and her insurance have sent out a cleaning company who have said they’ll do a deep clean. They are then sending out a loss adjuster and she’s been made aware of her policy that states they’ll replace the cupboards that were affected and give her a percentage towards buying the rest of the kitchen, as her old one is no longer made anymore.
My question centres around the other items in the house that are now smelly and sticky. They are taking away her dining table and chairs to restore them, curtains and rug in the next room will be cleaned and also her leather suite.
This all sounds fine, but is there anything else that we need to be mindful of?
What happens if the awful fat smell that just seems to be everywhere, doesn’t go after the cleaners have been in?
For example she has sold wood work surfaces that, like everything else, have a greasy residue on them. Her sofas, what happens if they still smell?
She’s never had to make an insurance claim before and I just want to ensure she’s looked after...
She’s never had to make an insurance claim before and I just want to ensure she’s looked after...
0
Comments
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As a personal experience, rather than professional, when my mother had a kitchen fire the LA and cleaners were increasing the amount of cleaning that she thought she needed saying that whilst she couldn't smell anything now thats because it smelt so much stronger elsewhere but once that had gone she'd notice it.
She simply needs to ensure that she points out anywhere this residue is or smoke smell exists.1 -
If something still smells after cleaning has finished (whether it was cleaned or not), tell the insurer/adjuster. As long as it was 'damaged' in the same incident, it's part of the same claim, regardless of when you discovered it. Obviously if nobody else can notice the smell, or it's a year later etc. then there may be questions!
The big cleaning companies (probably Rainbow or Polygon?) are good at what they do, and they've seen it all before so know where to look.1
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