16:18 PM, 3rd April 2013, About 9 years ago 43
Imagine my horror whilst watching the local news on Sunday evening, seeing a row of 4 terraced houses in Norwich on fire and the end one being one of my rental properties!
I would be keen to see if other landlords have experienced a fire and what happened in the following weeks.
Luckily my tenant was away and no-one was injured. The fire started in the next door neighbours house and spread to our roof. For now the property is uninhabitable and our tenant is staying with some friends.
I am waiting for a loss adjustor to visit the house. For now however I am feeling concerned that the house is exposed to the elements and wish to prevent further damage being done. As you look up from the upstairs bedroom, the sky is visible and the weather isn’t great right now.
Although we are covered for fire damage, I am not sure what we can claim for, such as cleaning, redecorating and don’t wish to be out of pocket.
I have not had to deal with fire damage before, has anyone else dealt with fire and can give me any advice on what to expect?
As it stands at the moment, the insurance company are aware and have appointed a loss adjustor who has recommended a structural survey of the property.
Whilst the actual fire was contained within the roof, there is water damage in the 2 upstairs bedrooms. Half the roof is missing over the front and back of the house and the loss adjustor thinks we will need a new roof, ceilings taken down and asbestos tested, new carpets (which I discovered are NOT covered by buildings insurance!).
Our tenant is deciding what to do, whether to find temporary accommodation or start a fresh, I know we can claim for loss of rent, but not sure for how long, is it until we get a new tenant or when the work is completed?
We have also been told that we need to take action to protect the property as the front door was smashed to allow the fire fighters entrance, which for now this is boarded up and padlocked. I have ordered a new door, but don’t know when the insurance company will reimburse us for that.
Also, we need to have a tarpaulin put over the house, but due to structural concerns we need to have scaffolding erected first, again, it is another cost incurred upfront by us.
Due to the fire being spread across 4 terraces, it is not straight forward to just have our roof fixed without the others being done too.
Are we going to end up out of pocket because of the fire? As yet our insurance company have not been that helpful.
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