After the emergency work has been completed and subject to your policy cover, our technician will assess contents to determine whether successful fire restoration is possible.
Other specialists such as furniture restorers, electrical engineers and upholsterers may be needed to inspect damaged items. Our technician or the loss adjuster will discuss this with you.
Affected items can range from carpets and rugs to furniture and light fittings and all manner of items in between. This means that a wide range of restoration techniques has been developed. It may be necessary to remove items for cleaning off-site, depending on the extent of the fire damage.
We will discuss all of this with you. Once an assessment of the items to be cleaned and/ or restored is complete, an estimate detailing items that can be restored economically will be provided to your insurance company or loss adjuster for their approval for us to go ahead.
Items that cannot be restored economically will be identified and, with your approval, listed and removed. Your insurance company or loss adjuster will need a list of these items to arrange replacement or settlement. When the restoration has been completed, you will be asked by the technician to confirm your satisfaction by signing a form. This will enable us to submit the final report to your insurance company for prompt settlement.
The intensity of the fire will affect how much fire restoration work is possible. Additionally, there may also be some secondary water damage, due to water being introduced by the Fire Service to put the fire out.
The effects of airborne smoke deposits may ,be visible throughout the property on surfaces, walls and ceilings. These carbon deposits have to be removed or neutralised before redecoration can be started.
On most structural surfaces, smoke residue will be removed using dry procedures, often followed by wet cleaning. Surface cleaning will remove the majority of smoke deposits.
However, if the particles have been driven into the building’s structure, a sealant may be applied, after cleaning. This prevents smoke odour and staining coming back. If building materials are burnt, then restoration is not possible. This means that building work and redecoration may be required, which will normally be considered separately by your insurance company or loss adjuster.
Rainbow International aims to leave the structure in a suitable condition for any other sub-contractors to complete their work.
Fire & Smoke Damage – Your Questions Answered
What happens after you’ve done your assessment?
Once the assessment has been completed, a report will be submitted to your insurance company or loss adjuster for their approval.As soon as they have authorised this, we will contact you to arrange to start or complete the necessary work. However, on many occasions (subject to the incident, circumstances and policy cover), we are granted authority to continue restoration and start the required processes prior to report approval.
When will you send the report?
We submit our reports to insurance companies/loss adjusters within the timescales requested by them. This is usually within 48 hours.
How long will it take for the report to be approved by the insurance company/loss adjuster?
This can vary, depending on the nature and scale of work required and other factors, such as claims surges, for example during widespread flooding. We will work closely with your insurance company/loss adjuster to deal with your claim as quickly as possible and keep you informed on the progress during this process.
But what happens if work needs to be done straight away?
Subject to policy cover, we may undertake emergency restoration work to prevent further damage and to ensure the health and safety of you, your family, the restoration technicians and any other subcontractors, who may need access to your property.
What happens if we’re not covered in our policy for some of the work, emergency or otherwise?
You will be asked to sign a mandate authorising Rainbow International to carry out restoration. In doing this you are accepting responsibility for the resultant costs.
Our buildings and contents policies are with two different insurance companies, does this mean we’ll get two different restoration companies?
If Rainbow International is appointed by one insurance company, then to maintain continuity and minimise disruption for yourself and your family, you are quite at liberty to request to the other insurance company that you require Rainbow International to be the sole restoration company on site and that we are already on site in a restoration capacity. However, we would not be able to commence work until we had received a formal instruction to do so from the insurance company.
Who do we speak to if we have further queries or questions relating to the restoration of our property?
If you have any questions, concerns or queries during the restoration work, please do not hesitate to speak to the technician personally on-site, or to call your local Rainbow International branch.