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 documentation/quotation/invoice

FNB Insurance Brokers has assisted One Stop Construction with many claims, we would like to share a fire damage claim with yourselves.

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 quotation.

We forwarded the quotation to WJW Insurance & Risk Assessors, who in turn sent it to First Link Insurance Brokers for authorisation.

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 tiling.

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 walls.

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 preparation.

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.

Two 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 the walls.

Exterior walls to match existing colour
Interior walls 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 surfaces.

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 extension pole

Standard rollers are sized by their length . We used a nine inch as it is the most common used size for walls and ceilings.

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 elegant again.

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 installed.

Combustible materials should be kept away from heating appliances;

Keep matches and lighters out of reach of children;

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 fires;

Make sure electrical cords are not frayed or broken.

An extension cord should never be used as permanent wiring.

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.