Insurance Works

fire damaged houses in wilmslow - full refurbishmentPymgate Property Services

We specialise in refurbishment and insurance repairs to properties. From water damage repairs, to renovation after a fire, whatever the elements, whatever the cause, we can restore your property back to its original state.

We are expert insurance repair contractors who use our wealth of experience and knowledge to ensure you, the policyholder, receives their full entitlement in all respects after a claim. We offer FREE CLAIM HANDLING dealing directly with the insurance company and loss adjustor for you, removing the stress involved in making a claim. In addition we will invoice the insurance company direct after the repair and refurbishment has been completed to your satisfaction.

Our work is of the highest standard as we continue to strive to be the best. Reputation precedes us in many cases, one which we are proud of and eager to maintain.

 

Claim Handling

Free Claims Handling

At no cost to you we will handle the claim from start to finish. We are specialist fire, escape of water, flood & impact damage insurance repair specialists.

The insurance company will appoint their own Adjuster to review your claim. They will normally attend to view the damage and agree on a schedule to reinstate your property. We will meet them on your behalf with you present to take on the responsibility of ensuring you receive your full reinstatement entitlement.

At no cost:

• We are available 24/365 for advice and emergency works.

• We negotiate directly with the insurance company to ensure you receive your full entitlement.

• We will communicate with you & keep you involved in the decision making process at all times

• We will invoice the insurance company direct upon your complete satisfaction

 

Claim Handling – Our System

Disorientation and worry are normal reactions to a stressful experience. Pymgate are an experienced company who can relieve all this and work for you and not the insurance company. Pymgate will handle the claim for you from initial contact to completion.

  1. Call Pymgate – we will send a team out to mitigate the loss (stop further damage) which is a requirement of any policy holder under the terms of their insurance .
  2. We will attend any time day or night  at your property to assess the damage and give you advice and ensure the property is safe.
  3. If emergency works are required we will arrange for this work to be done and invoice your insurance company direct.
  4. We will contact your insurance company and arrange for a loss adjustor to look at the damage.
  5. We will prepare a detailed estimate and schedule of works for your insurance company.
  6. We will attend when the loss adjustor visits
  7. We will negotiate with the insurance company on your behalf and ensure you receive the best possible outcome
  8. Once authorisation is received we will arrange for your property to be restored to a very high standard and agree timelines with you.
  9. The work will be overseen by one of our project managers
  10. Once work is completed you will be asked to inspect the work and sign a satisfaction note.
  11. We will invoice the insurance company direct. No cost or hassle to yourselves.

Claim Handling – Entitlement
What am I entitled to?

Just as insurers appoint a loss adjuster or surveyor to represent them, so you the policyholder should instruct an experienced insurance repair company like Pymgate on your behalf.

Insurance companies appoint their own representatives to keep costs down normally omitting to advise you of the full extent of your entitlement in the event of an insurance claim. Entitlements can vary from policy to policy.

These usually include but are not restricted to:

  1. Full building reinstatement entitlements to pre-loss condition
  2. Alternative accommodation during works
  3. Removal, storage and/or relocation fees
  4. Food allowances
  5. Electricity allowance during works
  6. Other incurred out of pocket expenses

 

Claim Handling – FAQ
Q: Do I have to use the Insurance company’s own repair contractors?
A: NO this is a myth, If you favour using your own contractors then tell your insurance company of your intentions, they will probably request that you get two quotes. You have a legal right to use your own contractor. Pymgate are experienced, specialist insurance repair contractors.

Q: We have heard horror stories of insurance companies own builders
A: The first question you should ask their loss adjustor is ‘Do you employ your own direct labour force?’ if the answer is no, then be cautious. The insurance companies sub contract the building repairs to contractors on their own ‘approved list’ who are given a fixed rate for the repair. These repairs are price and time driven and the quality of work usually suffers as a result.

Q: My Insurance company has appointed a loss adjuster to my claim, what does this mean to me?
A: This will mean the cost of repair has exceeded or is likely to exceed a set figure. The insurance company’s loss adjuster will want to visit your home and ascertain the claim validity, and set out a scope of works with us. We will attend the meeting to discuss the building works planned and ensure your property will receive its full entitlement for reinstatement to pre loss condition. In the event of a dispute over the scope and extent of works, we will engage the services of professional surveyors, structural engineers and architects who are experienced in the insurance repair field.

Q: At what stage of my claim should I instruct Pymgate
A: Ideally at the commencement of your claim which is precisely the time when your insurers will instruct a Loss Adjuster to act on their behalf and look after the insurers interests.

Q: What will you charge me?
A: We work on handling the claim for free and the insurance company will pay us direct for the building works.
Q: How long will my claim take to settle?
A: No one is able to give you a specific time-frame. The majority of claims are settled within a few weeks, but the more complicated claims can take longer.
Q: What if I need the services of an Architect or a Surveyor?
A: We like to work with firms experienced in insurance claims and we’ll be delighted to suggest these experts. In our experience, when a Loss Adjuster suggests their own Surveyors, very often those Surveyors are trying to protect the Insurance Companies interests. Whether the Surveyors are chosen by the Loss Adjusters or by you, their fees are paid by your Insurers.

Q: Why Pymgate? – Haven’t the insurance companies got their own builders?
A. Pymgate operates 24/7, 365 days a year. We are very well respected and experienced insurance repair company. Unlike insurance appointed builders who are given fixed rates, we work to a quality and not a price.

Q: My insurance company told me that I must use their builder?
A: Wrong. You have a legal right to choose your own contractor. You are allowed to do this so long as the contractor is not excessively more expensive. The costing has to offer value. This does not mean the cheapest quote. We receive a very large proportion of work through insurance companies recommendations that the policy holder gets in 2 estimates. Although huge, some insurance companies don’t have the resources to cover all claims.
Q: What areas do you cover?

A: We react for claims all over the northwest of England

Water Damage Repair

When water damage occurs the incident must be dealt with quickly and thoroughly. We at Pymgate understand that water damage repair requires a high level of competence.
We ensure that

  • the cause of the water damage is traced and rectified
  • the area is made safe
  • all materials are fully dried
  • the area affected by water damage is restored to its pre-incident condition

Using equipment specially designed for water damage repairs, we treat the affected materials to prevent bacterial growth that will lead to secondary damage such as dry rot and mould spores.
Within a time frame and cost scale that delivers a level of saving acceptable to the client and insurance company, we restore buildings to their condition before the water damage occurred.
Our work required is highly specialised. With our wealth of experience, we can ensure that all work complies with the terms of your insurance to mitigate any further loss.
Call our water damage team now! 0161 705 4388

 

Leaks & Burst pipes

No matter how small the leak may appear the effects of a leaking or burst pipe can quickly escalate into severe water damage. To avoid the need for extensive water damage repairs it is best to get the problem seen to as soon as possible by a specialist. At Pymgate, we can efficiently evaluate and control the situation to minimise the required water damage repairs.
We then engage our experienced team to reinstate the property to pre loss condition – often exceeding the original build quality.
In the event of leaks, burst pipes and water damage, do the following:

  • Stay calm! Shut off the water
  • Turn off the gas and electrical mains. Unplug all electrical devices

Drying out

When water damage occurs the incident must be dealt with quickly and thoroughly. We at Pymgate understand that water damage repair requires a high level of competence.
We ensure that

  • the cause of the water damage is traced and rectified
  • the area is made safe
  • all materials are fully dried.
  • the area affected by water damage is restored to its pre-incident condition

Using equipment specially designed for water damage repairs, we treat the affected materials to prevent bacterial growth that will lead to secondary damage such as dry rot and mould spores.
Within a time frame and cost scale that delivers a level of saving acceptable to the client and insurance company, we restore buildings to their condition before the water damage occurred.
Our work required is highly specialised. With our wealth of experience, we can ensure that all work complies with the terms of your insurance to mitigate any further loss.

Secondary Water Damage Repairs

Water is known as the universal solvent for very good reasons. Where water damage occurs, the water has the ability to corrode and magnify existing life forms such as mould and bacteria. It can cause various other damaging effects ranging from cracking and swelling of wood products to faults in electrical components.

Initial water damage is called primary damage and the effects are usually instantly identifiable, what is harder to see is the secondary damage as the moisture changes from liquid to vapour and travels throughout the building causing secondary damage. It then re-forms in condensation to be adsorbed into porous materials, creating damage that could have been prevented.

Secondary damage and its subsequent effects are often preventable, which is why it is essential that all water damage repairs are conducted thoroughly and professionally.

Reinstatement Insurance Works

We are specialist insurance repair building contractors. We provide a complete claims handling service from initial contact to completion at no cost.

We understand the distress and inconvenience such an event can cause, and we therefore attend to this as quickly as possible. We will invoice your insurance company directly after the work is completed to your satisfaction. There will be no cost to you. You are our customer not the insurance company and we will ensure you receive your full entitlement for building work in all respects.

We are a well established and approved insurance repair builder, with one point of contact for all trades and all building work. All our work is guaranteed. We have strict standards of quality, performance, customer care and health & safety. All work is carried out by fully qualified tradesmen, who understand the importance of customer care. Our aim is to return your home or your business to normal as quickly and as efficiently as possible.

We have numerous accreditations ensuring our quality and control.

Fire Damage

Fire and smoke damage can be very destructive and complex when reinstating. Fire, smoke and the water used to extinguish it are very destructive to buildings and can cause extensive damage to both structure and finishings.

Fire damage is one of the most unpleasant things you could experience, however Pymgate have the expertise to cope with this type of occurrence. We are specialists in fire reinstatement and have a wealth of experience dealing with insurance companies in this area. We will handle the complete claim for you dealing directly with the insurance company and restoring your property to pre loss condition.

Smoke Damage

The extent of restoration work required following smoke damage does not only depend upon the intensity of the fire. Smoke and even the water from hoses used to extinguish the flame itself can cause more damage than the fire itself. The effects of fire damage may not only be on surfaces, walls and ceilings but beyond the physical abilities of the naked eye.

If the smoke particles or fire fighting liquids have been driven into the building’s structural materials, these will have to be removed and replaced. Likewise if building materials are physically burnt then restoration is not possible and building replacement works will be required. We will meet Insurers or loss adjusters to ensure that you receive your full entitlement in respect of remedial works.

Pymgate Provide end to end management of the claims process from initial call through to completion with absolutely no cost to you.

Impact Damage

Impact damage is common. Whether from a falling tree or vehicle collision, the consequences to property can be dramatic and extensive. Safety and security are paramount in these circumstances and Pymgate have the resources to ensure the impacted property is made safe.

Our professionals include Structural Engineers, Surveyors and Architects. Pymgate will ensure the property is returned to its pre-impact condition. We are specialists impact damage insurance repair builders. We will compile a detailed estimate of all damage and make your property safe. We will attend all meetings with the insurance company or their appointed Loss Adjusters on your behalf to ensure you receive your full entitlement for all repair and restoration works.

Pymgate provide end to end management of the insurance claims process from initial call through to completion with absolutely no cost to you.

Storm Damage Repair

If your property is damaged during a storm, you should contact Pymgate immediately. A leaking roof, for example, can cause problems inside the house to walls, ceilings and electrical wiring.

The insurance company may appoint a loss adjuster to assess the damage. Pymgate will attend and deal with them on your behalf. We will ensure you receive your full entitlement in all respects after a claim. Storm damage can be expensive to repair, rising to significant costs to replace roofs or walls that have to be replaced to modern building regulations.

There is absolutely no cost to you for this. We will deal directly with the insurance company for you and negotiate your full entitlement. Once you are completely satisfied we will invoice the insurance company direct.