A fire in a ceiling void, in the small hours of a Saturday morning resulted in the attendance of three fire engines and the evacuation of the hotel in Canal St, Manchester. Whilst the damage to the hotel was contained, the fire caused a fish tank to explode and there was extensive water and smoke damage.
Concerned for his very high Trip Advisor rating, the Hotel owner refunded the guests for their lost night’s sleep.
Fortunately, the hotel was covered under an ‘Eating, Drinking and Hospitality Policy’ arranged by their insurance broker, NDML.
As the hotel had also taken out ‘Loss Recovery Insurance’ provided by Lorega, the full cost of a dedicated loss adjuster, working on behalf of the hotel was also provided.
The Lorega loss adjuster was able to meet the hotel owner on site within 24 hours of the fire, and provide immediate and practical advice about the nature and extent of the damage and to start the claims process.
Interim payments were arranged to help with cash flow of the business whilst supporting documents were prepared for the claim.
The Lorega loss adjuster was able to agree the claim with the insurance company adjuster, which included the cost of building repairs, contents and business interruption.
Knowing which areas of the policy were applicable to claim and being able to provide the right information to the insurance company, speeded up the settlement of the claim and enabled the hotel to carry on trading.
‘The prompt and dedicated help the Lorega loss adjuster gave was key in enabling me to restore my business and maintain the goodwill of my guests after what, for all of us, was a traumatic night.’ Mark Cain – Hotel Owner