Fire Damage Claim: A Lifeline for an Overseas Landlord
The fire was understood to have started from a WiFi router, which caused severe damage throughout the property, leaving the home in need of a full strip-out and major reinstatement works.
The property was occupied at the time, and the landlord lived in China. This meant they could not be on site to manage the claim, deal with the practical problems, speak to contractors, or oversee the reinstatement work themselves.
Before & After
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Claim Settled -
Approved Local Contractors
This claim involved far more than agreeing the damage with the insurer.
The tenants did not have contents insurance, so their belongings had to be dealt with before works could move forward. The property also needed a full strip-out, with damaged areas taken back to brick.
There were further practical issues around council tax exemptions, local authority requirements, contractor access, and making sure the claim continued to progress while the landlord was overseas.
For the policyholder, this could have become a stressful and time-consuming situation. They needed someone local, experienced, and able to take control of the claim from start to finish.
Aspray Glasgow North and South acted as the policyholder’s dedicated claims management point of contact.
This meant the landlord did not have to manage every call, every contractor visit, every query, and every issue from another country. Aspray handled the claim and the reinstatement process, allowing the policyholder to focus on their day-to-day life while the property was being dealt with.
The reinstatement works included:
- A full strip-out back to brick.
- A replacement kitchen.
- A replacement bathroom.
- A full rewire.
- A new boiler.
Aspray also helped manage the issues surrounding the claim, including the removal of tenants’ contents and council tax exemption matters.
The property was fully reinstated following the fire damage, with the kitchen, bathroom, wiring, boiler, and affected rooms restored.
For this landlord, the fire damage was only one part of the problem. They were overseas, the property was occupied, the tenants had no contents insurance, and there were practical issues around council tax, local authority requirements, contractor access, strip-out works and reinstatement.
Without local support, the policyholder would have had to manage the claim from China while also dealing with the stress and disruption of their day-to-day life.
Aspray Glasgow North and South stepped in as the policyholder’s dedicated point of contact, handling the claim, managing the works and dealing with the issues surrounding the damage. This gave the landlord clear support at a difficult time and helped bring the property back to a suitable standard.
This case highlights the importance of having an experienced loss assessor on your side. When a claim becomes complex, Aspray can help policyholders understand what needs to happen, keep the process moving, and take control of the many practical steps that sit around the insurance claim itself.
