Cctv New Site Should Pay Attention To What The Fire Insurance Claim Issues - Cctv New Site Fire,
February 20 morning, the top floor of the Guangzhou Pearl River New City real estate a place
Fire Far been in the 10 km can be seen billowing smoke, the fire was allegedly caused by welding the top floor of the workers. Although the fire was promptly extinguished, caused no great loss, but according to witnesses said the fire had
CCTV Building fire trend, the accident to the Guangdong Province and Guangzhou City in the spring fire prevention work had a knock on the alarm.
In fact, through the purchase of insurance to transfer the risk of fire losses has become the consensus. The CCTV Tower, as well as Pearl River New City in the construction of a large-scale building construction, fire insurance coverage is more necessary and timely. Generally speaking, such a large scale before the start of construction in building works are often bought in full of fire insurance. So the event of a fire, how to process insurance claim and claim what precautions need to do? To this end, the reporter specifically visited the United States and Asia Insurance Company Limited Guangdong Branch of the insurance experts.
According to the company's head of Mr. Ye Caidong claims, due to fire damage to property caused by the situation more complicated, after receiving the fire report, in general, insurance companies will be commissioned as soon as possible according to the merits of a professional company to the scene Insurance Assessment survey and collection of claims data, and to assess the losses. Insurance Assessment is specially set up by the China Insurance Regulatory Commission approval, and acceptance of insurance, the parties commissioned, specializing in the subject matter of the insurance risk assessment survey, loss identification, Gu Sun adjusters and other business organizations.
Dangerous situation occurs, the insured should pay attention to?
Under the insurance law, insurance, accident, the insured shall be obliged to take the necessary measures to prevent or minimize the loss, that is: the emergence of dangerous situation, the insured shall immediately notify the relevant departments and organizations, rescue personnel.
In addition, the Insurance Act also provides: the insured or the beneficiary after the insured risk is known, shall promptly notify the insurer, so that the first insurance company to carry out accident investigation and loss assessment, to avoid the exploration will not experience loss of time caused unnecessary controversy, such as the number and extent of property damage to determine, and ratification of the loss amount.
So, after a dangerous condition of the insurer should make active efforts to take all measures to prevent or reduce the loss of the subject matter insured. As the fire burned the property suffered a direct, high-temperature baking, the role of smoke pollution, and fire cause investigation process identified will continue to withstand oxidation, corrosion, making the losses increase, so the scene of the accident and damage to property impairment measures will be important.
Example, a Taiwan-funded enterprises in Guangzhou City, in the event of fire, take the initiative to ask the public security departments reduce the closed area, so that enterprises have on post-disaster damage to equipment cleaning and maintenance opportunities. The actual situation is that with timely treatment can make damage to property losses can be effectively controlled, and so greatly reduce economic losses.
Dangerous situation occurs, determine the amount of losses and compensation for the general long will it take?
After the fire, police Fire And fire departments will be closed to the scene to investigate the causes and responsibility for the accident until the issue certified in responsible for the accident, time is generally about a month. If the public security fire department identified cause of the accident and the responsibility to hold objections to the accident shall be entitled to public security fire department for review. If the insurance company found the cause of the accident and the responsibility to disagree with the insured with the insurance companies should also apply in time for review. This once again shows that the insured promptly after the accident reported to the insurance company allows insurance companies to fire as soon as possible to understand the situation and the importance of the work carried out will hurt.
According to Mr. Ye Caidong
introduction, the insurance company in the scene and reopened only after a specific survey inventory, insurance, contracting parties should be fair, just, open and losses based on the common recognition. Insured losses of insurance companies should actively follow the treatment recommendations of the damaged buildings and equipment for detection, identification and repair of damaged stock material for proper disposal, such as: transfer of property as soon as possible, normally sold or downgraded to sell property or salvage treatment.
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