A SITUATION OUTLINE OF THE CASE STUDY
Restaurant The Jane faced a severe kitchen fire in March 2019 due to a flame under the cooker hood.
The main concern was to get the kitchen operational as soon as possible so that the restaurant could reopen to the general public. Unfortunately, damage of this magnitude is not repaired in 1,2,3 and, in addition to collecting all the specifications, it presents additional challenges:
Rescue & Preservation
Immediately after the event, action had to be taken to limit the damage and prevent a worsening of the situation. For example, the stainless steel in the kitchen had to be cleaned and protected from pit corrosion and equipment had to be moved because the damaged ceiling was in danger of falling down. So there was a need to move very quickly. At such times, we as an insurance broker call on one of our partners so that the client does not have to go looking for help himself. Support is the key word here.
Repairing all material damage is one thing. Validating the cost is another. At The Jane, we were also confronted with several different parties involved. For example, the building was not the property of the client, and a clear distinction had to be made between building/property/enhancement work. In addition, the extent to which someone could be held liable had to be examined. These factors all have their impact on the speed of the file and are often too technical for the customer who is not familiar with the insurance world.