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Why is the fire insurance so important

Uncategorized
by preskopii on
I have always prided myself for renewing all my insurances on time. Not only do I pay the premiums in one go but I pay them early. I run a very tight ship and I always have. My tax returns are done in exactly the same way. I find peace of mind in the knowledge that everything is done and done right. So what about if something you pay for is not actually done by a third party, who is to blame? Let me tell you my story and answer that question.
One Sunday morning I sat down to write all the cheques for my bill-paying excursion into town later on the Monday. I had all the bills in order they needed to be paid in. The insurance bills were on the top. I have my house insurance, bricks and mortar insurance, fire and belongings. They will all be paid early without the use of credit or monthly payment schemes.
Moving on, to the following Friday morning, I went to my daughter’s place as I normally do. Her phone went and it was one of my friends. She informed me my house was on fire. She had contacted the fire department and suggested I get a lift back as soon as possible. When I arrived back, my house was looking okay. That was until I walked around the back. My whole kitchen was destroyed. The firefighters were still dowsing down the flames and smoke. I would not be able to live here until it was made safe.
The fire report said a faulty plug socket was to blame. They told me in the letter to pass this document on to my fire insurance provider. They will then send out a loss adjuster to assess the damage and agree on the repair to be done. With this all done I could only wait and see. The next contact I received from my insurance company was a phone call asking me why I had sent them the documents. They went on to inform me I had no fire insurance policy with them. I suggested they checked their records again and call me back. During the wait, I faxed a copy of the bill payment receipt over to their office. It clearly stated I had paid my premium for fire insurance.
I received a call within forty minutes, they said I had not renewed my insurance and would need to carry out the damage to my house using my own funds. I asked to speak with a supervisor who then told me the same thing. I was taken aback and said I would get legal advice. What seems to have happened is the insurance clerk had renewed all the insurances apart from the fire. As I have paid, surely I have grounds for compensation. Well after having consulted a legal aid expert, it appears not. Because I do not have a written receipt for fire insurance, I effectively have none.

I have always prided myself for renewing all my insurances on time. Not only do I pay the premiums in one go but I pay them early. I run a very tight ship and I always have. My tax returns are done in exactly the same way. I find peace of mind in the knowledge that everything is done and done right. So what about if something you pay for is not actually done by a third party, who is to blame? Let me tell you my story and answer that question. One Sunday morning I sat down to write all the cheques for my bill-paying excursion into town later on the Monday. I had all the bills in order they needed to be paid in. The insurance bills were on the top. I have my house insurance, bricks and mortar insurance, fire and belongings. They will all be paid early without the use of credit or monthly payment schemes. Moving on, to the following Friday morning, I went to my daughter’s place as I normally do. Her phone went and it was one of my friends. She informed me my house was on fire. She had contacted the fire department and suggested I get a lift back as soon as possible. When I arrived back, my house was looking okay. That was until I walked around the back. My whole kitchen was destroyed. The firefighters were still dowsing down the flames and smoke. I would not be able to live here until it was made safe. The fire report said a faulty plug socket was to blame. They told me in the letter to pass this document on to my fire insurance provider. They will then send out a loss adjuster to assess the damage and agree on the repair to be done. With this all done I could only wait and see. The next contact I received from my insurance company was a phone call asking me why I had sent them the documents.

They went on to inform me I had no fire insurance policy with them. I suggested they checked their records again and call me back. During the wait, I faxed a copy of the bill payment receipt over to their office. It clearly stated I had paid my premium for fire insurance. I received a call within forty minutes, they said I had not renewed my insurance and would need to carry out the damage to my house using my own funds. I asked to speak with a supervisor who then told me the same thing. I was taken aback and said I would get legal advice. What seems to have happened is the insurance clerk had renewed all the insurances apart from the fire. As I have paid, surely I have grounds for compensation. Well after having consulted a legal aid expert, it appears not. Because I do not have a written receipt for fire insurance, I effectively have none.

In order to compare fire insurance (or as the Danes usually say beregn brand forsikring) prices, visit this really informative and helpful Danish website. To read even more about fire insurances, go to this link location.

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