Skip to main content

Fire Doesn't Burn Metal Or Does It?


Article on Fire doesn't burn metal or does it? by adam

Adam Weaver adam@allrisk.com.au
18-03-2018

Is fire an issue?

One of the more perplexing things Owner Builders sometimes say to us is:
I don't need insurance for FIRE, since my house is made of metal. Fire doesn't burn metal/concrete/masonry/moon rocks/string cheese/whatever else is the building material du jour.
Yes, that's true to a point ... but what do you think happens to your metal or concrete if there is a fire?
Metal warps. Concrete becomes brittle. If there is a significant fire, even the concrete pad will become sufficiently damaged that no engineer would let you build on it again.
So whilst your metal building / concrete pad won't burn per se, it will likely be sufficiently damaged that you'll need to cart away the debris and start again from scratch.

Water can't hurt me either

By far and large, the most expensive type of claim we see is for storm or water damage. Water gets in everywhere, and can wreck just about any building site. The worst thing is that it always seems to happen at the worst possible time (while the roof is off) or with high winds blowing away the sarking. 
And let's not talk about high volumes of water - we've had a couple of claims where water has poured in from a hose or a broken pipe, absolutely destroying someone's home.

Escalation, Professional Fees, Expediting, Storage, Transit

Are all standard features of our Owner Builder Construction insurance  - and yes you need these even if you think you don't!
When things go wrong on a construction site, they seem to go expensively wrong. Make sure you have good construction insurance so you're not going to be significantly out of pocket following a catastrophe.

Best of breed

Our owner builder insurance is a best of breed policy covering the major risks any owner builder might face. Make sure you protect yourself and get a quote from us - you'll be surprised at how inexpensive insurance can be for your project.
Quotes take around 90 seconds to complete and are e-mailed to you instantly with all of the terms and conditions and an explanation of what's insured.
Make sure you insure your project for fire - it's just not worth missing out on being properly insured.

For more information about Fire Doesn't Burn Metal Or Does It, visit our website.
Table of Contents Main Site
Social Platforms
Insights
Table of Contents


Comments

Post a Comment

Popular posts from this blog

Best Owner Builder Insurance Australia

All around Australia, many people use owner builder loans to acquire a house for their family. This is one of the popular options for Aussies especially those who are trying to save money. However, others choose this because they have enough time to do a construction project while others just do this because they have the skill for building and this is also what they do for a living. Whatever their reasons are, they all need insurance for this undertaking. Regardless of who will be doing the actual works, applicants must produce insurance first for the building along with other required documents for the local city council’s approval.     Some tips for a secure deal and quality service             Check for the best mortgage companies to work with Do a research about the different insurance companies in Australia Learn extensively about their products and terms. Ask them important questions. Select your company of choice, know ...
Post a Comment
Read more

Best Owner Builder Insurance

Most of the time, if you’ve chosen the wrong company, insurance doesn’t really help or protect you against possible financial loss. This is a very important warning to you and to all Australians who are planning to get one for their building or construction project. They must be very cautious about whom to trust their money within this industry. There are many licensed builder companies around Australia but there are only  few  that are really trustworthy and truly accountable. It is advisable for you to look for a  builder through  personal  reference from people you know. As much as possible, the ones that you must ask are only those that you really trust. To be sure, it is also important to do further inquiry.    Keep in mind also that builders usually do outsource their service. This means you can never rely on their license as credibility. Many builders hire cheap alternative services from low-cost small companies that provide careless la...
Post a Comment
Read more

New Home Construction Insurance

If you need construction insurance for your new home, Allrisk Insurance would be the best kind of company for you. By providing access to our efficient approach, we help people insure the most important investments of their life. And by collaborating with the right insurance provider for your needs, we can help you get protected against any possible risks that might happen any time. Our office will always be available to help clients like you get the kind of service you deserve.  Our team is composed of insurance experts who are trained to provide consistent professional assistance to customers. Ours is not an easy facility to establish. We have worked hard for this achievement. So if you are ready to work with us, call our office now at this number – 1300 255 747 – so that we can start learning about your current financial standing and other necessary information for our initial process. After assessing you, we will then help you proceed to the next stage. Allrisk Ins...
Post a Comment
Read more