Thermography: Detecting Hidden Damage

Thermography Service
When your house is being assessed for damage after an accident, much of it is obvious on sight. Some damage, though, is hidden and may only start causing problems long after your claim is settled, such as water damage in walls, or wet insulation. The only way to find these by conventional means is often quite destructive in itself.

Thermography is a non-invasive technique that allows many hidden defects to be found before they become problems — not to mention before your insurance claim goes through.

What Is Thermography?

Thermography is a type of infra-red imaging that allows a very accurate picture to be built up on the basis of slight differences in heat. Its uses range from medical diagnosis to military surveillance, but it’s increasingly used in the construction industry, and by extension for assessing insurance claims.

Infra-red, the energy beyond the visible spectrum that’s experienced as heat, is emitted by all objects, the strength varying according to temperature. The precise frequency also varies for different substances, in much the same way that visible light shows things as different colours.

This makes it possible to build up a detailed image of the fluctuations in heat, either directly viewed or recorded as a photo, which can reveal otherwise unseen faults.

What Can Thermography Detect?

The list is extensive, but the main uses include:

  • Energy loss — thermography can identify places, such as doors and windows, that allow heat or energy to escape, which will be adding to your bills.
  • Refrigerant leaks — these are hard to detect, but thermography can allow them to be found and sealed.
  • Electrical hot spots — identifying places where electrical components may be damaged or about to fail.
  • Insulation problems — thermography can identify insulation that’s wet or missing, either of which is both a hazard and a waste of energy.
  • Detecting water damage in walls or moisture and mould — these issues can spread unseen to the point where dealing with them is expensive (and may not be covered by your insurance at that point).
  • Locating underfloor heating pipes — without having to tear up the entire floor to find them.
  • Businesses utilising machinery and equipment – thermography can detect faulty parts, such as bearings or loose connections, without having to dismantle the equipment. This can avoid lengthy breakdowns, which would lead to costly downtime, by taking preventative action.

Will Thermography Have Any Effect on the Property?

Though some kinds of thermography (to create night vision, for instance) involve sending out infra-red illumination before making the scan, the type used in assessing damage is an entirely non-invasive process that will have no more impact than taking a photograph. But it can save you a great deal more money than any photo.

Contact Allied Claims to find out how thermography could help you.

How to take the hassle out of making an insurance claim for property damage

September 2015

As if suffering property damage isn’t enough, if you’ve ever had to make an insurance claim you’ll know how time-consuming and tedious it can be.  Damage to property caused by fire, water or criminal damage means you’ll have to negotiate with your insurance company and their loss adjusters.  Then, of course, there’s the need to get the damage repaired.  Seeing builders and getting quotes can often mean taking time off work to be in when contractors call.

Who will fight your corner and make sure you get everything you’re entitled to? Loss assessors (not to be confused with loss adjusters) can be appointed by you to manage your claim and ensure you get a fair settlement. And even better, their services often won’t cost you a penny!

What Does a Loss Assessor Do?

A loss assessor will survey the damage to your property and then make a claim on your behalf.  They will negotiate with your insurance company for fair compensation. Some, like Allied Building and Property Claims Management Services Ltd, will go a step further and project manage the building repairs right through to the point where your property is fully restored.

A loss assessor will:

  • Assess and quantify the damage to your property.
  • Produce reports detailing the damage in full and what needs to be done.
  • Arrange and submit as many building repair quotes as the insurance company requires.
  • Meet the insurance company’s loss adjuster and negotiate, using their full knowledge of policy cover, legal requirements and industry practice.
  • If a drying-out procedure is needed after water damage, make sure it starts as soon as possible, to prevent any further secondary damage.
  • Use experience to ensure the claim is processed as quickly as possible.
  • Project manage the repairs.
  • Submit the invoices to the insurance company on completion of the work.

Personal and Business Claims

The consequences of property damage, whether personal or business related, often require immediate action, and here the services of a Loss Assessor can be particularly valuable.

If your home has been seriously damaged by fire, flood or some other disaster, you’ll need somewhere to stay until it has been restored. A Loss Assessor can push for a quick acceptance by the insurer of liability and for the costs of alternative accommodation in accordance with the terms of your insurance policy.

A business whose premises have been hit by a disaster is losing money every day that it can’t trade. The loss assessor can push for immediate fulfilment of business interruption clauses where included in your insurance policy, including increased costs of working and temporary relocation if necessary.

There’s No Cost

A Loss Assessor like Allied Building and Property Claims Management Services Ltd will handle your claim from start to finish and project manage the repairs completely free of charge to you, the claimant. They invoice the insurance company directly when the claim is finalised. You don’t pay a penny, even in the short term.

So if you have an insurance claim for property damage in Welwyn Hatfield, contact Allied Claims on 0800 999 5679 and ask them about their free loss assessor and project management service.

Please note that your policy excess always applies.

The White Hats of Insurance

August 2015

Anyone who’s had to make an insurance claim for flood, fire, water or criminal damage will know what an uphill struggle it can be. Negotiating with the insurance company and their loss adjusters isn’t always easy, and getting quotes can often mean taking time off work to be in when contractors call.

There is someone on your side, though. Loss assessors (not to be confused with loss adjusters) are the guys in white hats, who’ll take from you the burden of dealing with the company and ensure you get what you’re owed. And, best of all, it won’t cost you a penny.

What Does a Loss Assessor Do?

A loss assessor’s job covers the whole process of making a claim on your behalf, from surveying the damage to negotiating with the insurance company for fair compensation. Some, including Allied Claims, will go further and project manage the repairs, right through to the point where the property is fully restored.

Services you can expect from your loss assessor include:

  • Making a thorough survey of the damage.
  • Producing reports detailing in full the damage and what needs to be done.
  • Arranging and submitting as many quotes as the insurance company requires, without you needing to be involved.
  • Meeting the insurer’s loss adjuster to put your case, using full knowledge of legal requirements and industry practice.
  • If a drying-out procedure is needed, making sure it starts as soon as possible, to cut down on delay.
  • Using experience to ensure the claim is processed as quickly as possible.
  • Project managing the repairs.
  • Submitting the invoices to the insurance company on completion of the work.

Personal and Business Claims

Both personal and business claims can require their own brand of short-term action, and a loss assessor can deal with either.

If your home has been wrecked by fire, flood or some other disaster, you’ll need somewhere to stay till it’s put right. A loss assessor can push for a quick acceptance by the insurer of liability and for the *costs of accommodation. (*Depending on the policy.)

A business whose premises has been hit by a disaster is losing money every day that it can’t trade. The loss assessor can push for immediate fulfilment of business interruption clauses, including temporary relocation if necessary.

There’s No Cost

Appointing Allied Claims to handle your claim from start to finish and project manage the repairs is a free service to you, the claimant, when using our full service — we invoice the insurance company directly. You don’t pay a penny, even in the short term.

Off course you can select to use our services for negotiating with the Insurer and their Loss Adjuster without using the full service in which case the fee would be a percentage of the claim.

If you have an insurance claim, contact Allied Claims for a free loss assessor and project management service.

* Your Policy Excess always applies