Question

The owner of a small suburban cinema instructs you to prepare a fire damage claim for submission to his insurance. State:

a) the particulars and information you will require prior to the survey;

b) your procedure when conducting the survey; and

c) the survey itself.

Answer 1

The owner of a small suburban cinema instructs us to prepare a fire damage claim for submission to his insurance.

A) The particulars and information we will require prior to the survey:

• We will need the insurance details like name of the insurance company, insurance policy number, insurance terms, type of insurance, validity of the insurance policy, Insurance ID card for the policy holder, Contact details of the insurance company, branch office details of the insurance company etc.
• We will be needing the fire damage details, like what is the fire incidence, what type of fire happened, what damages it has resulted, what are the total damages due to fire, images and videos of the fire incident, any detail of the fire damage that can be useful for the claim.
• We will need to the format to be used for the fire damage claim for the insurance company.

B) Procedure when conducting the survey: the procedure for conducting the survey for the fire damage case will be as below

• We will submit the request application to the insurance company at their office for the insurance survey for the fire damage claim based on the insurance policy.
• The insurance company will review the request and plan for the survey and inform the time for survey.
• We will be receive insurance personnel for the survey and will help them to conduct the survey.
• The insurance team will conduct the survey as per their process and will submit the report to us post survey completion.

C ) the survey itself will be as below

• The insurance team will be conducting the survey in detail as per their process.
• They review cause of the fire, the damages that fire created and the actual evidences for damages. The report will contain all the essential details as per the standard checksheet of the insurance team.   
• The detail report will be the base for the survey and it will capture all the essential information and will be submitted to the insurance office and a copy will be given to the insurance policy holder.