Mother- house fire

coffeewinnie

Hi all,

I’m new here, and was hoping to get some advice. 

My mum’s house caught fire on Monday, due to an electrical fault. The complete place will need a rebuild, but the roof structure remains. She has insurance.

We are all in shock, but what makes matters worse is that she had a breast cancer op on that night. The whole thing has been awful

The insurers are LV and we are now in the process of sorting things out.

The property has been boarded, and the loss adjuster from Sedgwick (who look awful based on their reviews) is arriving on Wednesday.

Has anyone else been through this unfortunate situation? If so can you let me know more about the process? 

- Is there some sort of helpline we can call?

- do we need a loss assessor? 

- can anyone outline what next steps are?

thanks in advance 

MSE_Laura_F

I'm so sorry to hear about this awful event.

I'm sure someone will be along soon with useful experience to share, but in the meantime, very best wishes to your mother.

DullGreyGuy

coffeewinnie said:

- Is there some sort of helpline we can call?

- do we need a loss assessor? 

- can anyone outline what next steps are?

You'd need to be a little more specific about what sort of helpline you are hoping for? A general "how do claims work"? no there isnt but if you aren't happy with how the claim is progressing etc then you have your insurers complaints department and the normal avenues like Citizens Advice.

I would never say you "need" a loss assessor but some people find it takes a lot of the stress out of the process and some feel they get a better outcome as a consequence but some are unhappy with the outcome, potentially because of using a loss assessor. Just remember you pay for them 

Next steps will be to assess the extent of the damage to the building and the contents. If you want something else to do you could start creating a list of all the items in the house but how necessary that'll be will depend on the extent of the damage.