Commercial fire damage claims handled from start to finish
Specialist loss assessors for commercial fire damage claims across the North West of England and North Wales. From emergency make-safe works to final settlement, we manage your business fire damage claim from start to finish.
Regulation
Experience
20+ years · Founded 2003
Response
24/7 support · On site within 24h
Full claim scope
What should be included in a commercial fire damage claim
The process
How we handle your commercial fire insurance claim
From your first call through to settlement, we manage the full insurance claims process, including assessment, evidence gathering, negotiation and reinstatement, so you can focus on getting your business running again.
1
Free site visit & policy review
We arrange a free consultation within 24 hours and attend site once it’s safe. We review your commercial fire insurance policy and identify risks, including smoke spread, structural concerns and business interruption cover.
2
We take over the claim
Once appointed, we deal directly with your insurer and their loss adjuster, coordinate specialist reports where needed, and arrange interim payments and temporary premises if required.
3
We quantify your full loss
We prepare a complete commercial fire damage insurance claim covering building repairs, stock, equipment, contamination, make-safe works and business interruption losses.
4
Negotiation & settlement
We challenge the insurer’s attempts to limit the claim to visible damage and negotiate a settlement that properly reflects the impact on your business property, operations and trading.
5
Reinstatement & sign-off
Our vetted contractors carry out reinstatement works with your approval throughout. We recover any outstanding payments and only sign off once you are satisfied and fully operational again.
Recently had a fire at your commercial property?
Tell us what happened and we’ll come back to you within 1 working hour. Free consultation with no obligation.
Recent settlements
+30–50% above insurer’s first offer
Range achieved across recent claim settlements. We treat each claim on its own merits – and never settle for the first number on the table.
Founder · Chartered Loss Adjuster
Talk to the founder
Fire claims are one of the most underclaimed losses we handle.
Smoke, soot, water from firefighting, business interruption – half the loss is usually hidden by the time the insurer’s adjuster turns up. I’ve seen it on every fire claim I’ve worked on in 20 years.
Rob Spence – Managing Director, Chartered Loss Adjuster.
Frequently asked questions
Common questions from business owners about fire damage claims
How long does a commercial fire damage claim take?
It depends on the scale of the loss. Smaller claims may settle within a few months, while major fires involving structural repairs and business interruption can take considerably longer. Early involvement usually helps move the claim forward faster and reduces delays.
Can we continue trading during repairs?
In many cases, yes. Businesses may continue operating through partial occupation, temporary premises or alternative working arrangements. Costs linked to this are often recoverable under business interruption cover.
What should we do if the building is unsafe?
Don’t re-enter the premises until it has been declared safe. We can arrange emergency make-safe works, security measures and structural assessments as soon as access is permitted.
Does insurance cover smoke damage to stock and contents?
Usually yes, if your policy covers fire and related smoke contamination, although the extent of the damage is often disputed. Smoke contamination can make stock unusable even where there is no obvious visible damage. We help evidence these losses properly as part of the claim.
What can be included under business interruption?
Business interruption can include lost revenue, ongoing overheads, increased operating costs and temporary relocation expenses while your business cannot trade normally.
Do I need to deal with the insurer myself?
No. Once appointed, we manage communication, evidence gathering and negotiations with insurance companies and their loss adjuster on your behalf.
Get in touch
Free, no-obligation consultation on your fire claim.
Tell us briefly what happened and we’ll come back to you as soon as possible. If we can help, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction. We cover the North West and North Wales – and travel further than 100 miles when a commercial claim warrants it.
Water
Burst pipes & water damage
We coordinate drying, repairs and claim management while helping minimise disruption to your business.
Interruption
Business interruption
We work alongside accountants and specialists to present lost income and increased cost claims properly.
Contents
Damaged contents
From office equipment to specialist machinery, we document and manage business contents claims clearly and professionally.