Facing your first fire?
Luko is here to help you 🤝
🔥 First things first
This advice applies to small and medium-sized fires. In all cases, the priority is your safety. If in doubt, evacuate the home and call the fire brigade.
Gas fire: never try to put it out with water! Turn off the gas as quickly as possible and use a wet cloth if you want to extinguish it.
Oil fires: do not try to extinguish with water either! Turn off the gas under the oil as soon as possible and try to smother the flames with a wet cloth.
If the fire is caused by an electrical appliance: first of all, turn off the power. Once you have done this, you can extinguish the fire with water. As always, if in doubt, be sure to be safe and call for help.
Once the fire is out: check that the dwelling is safe before entering, and ventilate the confined space to clear the smoke
When you are safe, report your loss, take photos of the damage and list the damaged property (this information will be essential for the proper management of your claim).
💻 Next: handling the claim
Here are some details on the procedure for dealing with a fire loss and the steps you can expect:
Take the first steps in securing your home and report your loss
Upon receipt of the supporting documents on the damaged goods, your claims handler will process the file and validate the documents in order to calculate the damage.
If the damage is very extensive, an expert assessment will have to be carried out, either on site or remotely (by videoconference), in order to validate the figures. Sometimes an on-site expertise is necessary (which increases the processing time).
At the same time, an estimate for the repair of the damaged parts must be drawn up and validated by your claims manager.
Once the estimate has been validated, you can undertake the work, with a craftsman from our network or not.
If you choose a craftsman from the Luko network: there is no need to incur costs, you only pay the craftsman the amount of your excess!
If you use an external craftsman: you will have to pay the costs and will be compensated (after deducting the excess) when the work is finished.