FNB Insurance Brokers has a high level of commitment to
service and a sense of urgency when it comes to claims.
They have not only built their name around innovative
policies but more heavily on Customer Service.
The biggest headache with insurance policies arise when it
is time to put in a claim.
Their superior and prompt Claims Service keeps them ahead
of their competition and they are proud of it.
Should the Client suffer a loss which could result in a claim
under the policy, the policy requires that you notify them
within 30 days of the incident and as soon as possible
provide them with a completed claim form and any relevant
FNB Insurance Brokers has assisted One Stop Construction
with many claims, we would like to share a fire damage claim
The fire had started in October 2007, the top part of the
house had been burnt down, as you can see from the
photoís, the One Stop Team had a big job of restoring the
house to itís former splendour.
The fire damaged house
As soon as WJW Insurance & Risk Assessors sent it to First
Link Insurance Brokers us a request to assist the Client,
Marius van Schalkwyk (JNR.) made an appointment with the
Client to assess the damages.
On arriving at the risk address, it was clear that the damages
to the house was caused by an accidental fire.
Marius van Schalkwyk (JNR.) assured the Client that we will
be able to assist them as soon as possible and did a
We forwarded the quotation to WJW Insurance & Risk
Assessors, who in turn sent it to First Link Insurance Brokers
Once we received the authorisation, we made contact with the
Client and booked a date for the commencement of repairs.
We bought all the necessary equipment to start with the
repairs, paint, bricks, tiles, carpets etc.
The paint was purchased and Rick assisted us with promptness and efficiency, there
were no hitches getting the supplies.
Once we had all the supplies we started with the repairs, the
One Stop Team had to first demolish all the damaged walls
and clear the rubble away as they went along.
The 220mm walls were the first to be erected, and the
window frames inserted as part of the building process.
Starting the building process
Once all the walls were erected and the window sills were in
place, the One Stop Team started to screed the floors for
The next step was to plaster the walls and allow it to cure for
a day or two.
While the plastered walls were curing the One Stop Team
concentrated on the rest of the house, they went to work
almost immediately cleaning the lower levels walls with
sugar soap and repairing and plastering the damages to the
Once the curing time was over, the One Stop Team painted
the walls with a White Promodek base coat, Interior/exterior
emulsion based paint with an excellent hiding power, two
coats were sufficient for the walls.
Once the walls had dried, the next step of the painting
process was taken.
The final result of painting the house depends on careful
Most of the work must be done at the very beginning itself.
Knowing how to select the right tools for the job, using the
correct techniques to paint and using the right strokes to
paint all help in producing the right finish.
different paints were mixed for the exterior walls and the interior walls.
The exterior walls were painted with a paint mixed to match the existing colour on
Exterior walls to match existing colour
low white sheen paint
Take time to make an assessment of your project.
Note the condition of all the surfaces to be painted. In
general you will find areas that have pealing or weathered
paint, discoloured or faded areas, dirty and mildewed
To check to see if the surface is chalky, wipe a coloured rag
across the surface to see if it picks up the colour.
Windows can be a job themselves, they may have loose or
missing glazing compound (putty) to deal with before they
can be painted.
As we installed new window frames, we had to ensure that
the glazing compound was dry and that the window frames
were painted with an etch primer to prevent rust.
As you go through the preparation process it is possible you
may find areas that need minor if not major repairs.
A painterís drop cloth was used to cover the existing
sidewalks and grass, as the surfaces need to be protected
from paint drips and spatters however it is also somewhat
important that an absorbent drop cloth is used as to prevent
some of the tracking.
There are generally two parts to a paint roller: The "frame",
(also called a roller handle) and the "cover"
Usually the frame and cover are sold separately but you can
often find roller kits which will usually include the frame,
cover, and a roller pan.
There is a threaded socket in the handle to accept an
Standard rollers are sized by their length . We used a nine
inch as it is the most common used size for walls and
A three or four inch roller can come in handy on certain jobs.
Standard roller covers all have the same core diameter so
that they will fit a standard frame.
The same technique was used on the interior of the house
as used on the exterior, it is just the paint that differs as you
have to use a waterproof paint on the exterior of the house,
preferably a latex or acrylic paint.
Before painting the interior walls the walls must be sound
clean and dry, the moisture content must be very little before
painting the new walls.
The interior walls were painted with a low sheen white paint.
On completion of the plastering and painting, a thatched roof
had to be erected over the newly built part.
Once again we had Mannyís Hardware and Timber to assist
with the trusses, the roof was up in no time.
Soon the doors had to be installed as the other doors were
too damaged from the fire, we installed two hollowcore doors
with timber frames and a timber door with a timber frame.
The doors were painted with a wood primer, an alkyd based
primer is usually used for interior and exterior wood doors
and frames as it provides good protection for the wood.
Once the wood primer has been applied, the wood-pro matt
varnish can be applied to the surface of the doors and
frames to give it a perfect finish.
We then started on the kitchen as the fire and water
damaged the cupboards , the kitchen cupboards were built
by Shaun and installed, the kitchen looks so new and
Kitchen units installed by Shaun
The house is almost completed and it is looking almost as
good as new.
Our Electrician Pieter Pruis came out to assist with the
distrubutor box and had to replace the stove isolator, geyser
isolator, double plugs in sections of the house, light switches,
light fittings and had to re-do a COC on the new section.
Our Plumber Jan Muller had to assist with the plumbing, and
did a very good job as usual.
The bathroom and kitchen needed to be re-piped and a new
bath, WC, WC seat, wash hand basin and mixers were
Combustible materials should be kept away from
Keep matches and lighters out of reach of
Make sure that fireplaces have proper screens;
Never throw water on a pan; put out the fire by
covering it with a lid. If it has spread outside the
pan, cover it with a flat baking tray;
Keep small appliances unplugged when not in use;
Avoid overloading your electrical circuits.
Overloaded circuits are a sure cause of many
Make sure electrical cords are not frayed or
An extension cord should never be used as
Research has shown that houses mainly burn down due to
people's habits and not because of what it is built of.
Accidents with heaters, fire-lighters and cigarettes are very
common causes for fires, as is ignorance in storing and
handling fuels and chemicals.
Lightning and electrical faults are also known to be a cause
of fires but again it has nothing to do with the materials the
house is built of, with the exception of the increased risk of a
fire caused by lighting in thatch roofs.