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Journeys : Jun Jul 2012
On September 19 last year, Mr and Mrs Kupush received the phone call all landlords dread. At around 10pm, Tasmania Fire Service notified them that their tenanted units in North Hobart had been damaged by fire. The fire had been started accidentally by a tenant using a candle, due to the power being switched off by mistake. RACT Insurance’s local claims service was notified of the incident and an assessor was at the site the next day to evaluate the damage, as well as ensuring that all of the customer’s immediate requirements were met. Mr and Mrs Kupush now reflect on the event: “After the fire demolished the ground floor of our rental property there were two positives to take from the experience. Firstly, that none of our tenants were seriously injured and, secondly, that we had chosen well in our insurer.” The fire caused estimated damage of $200,000. Both units were tenanted and no longer liveable until the damage could be repaired. Fortunately, Mr and Mrs Kupush had the correct insurance in place, which ensured full repairs to the damage caused by the fire, as well as additional cover for the loss of rent they experienced on both units. “Having the correct insurance product in place to suit your needs is critical,” said Trent Sayers, RACT Insurance CEO. “No-one ever expects that they will experience a fire in their property, so it’s easy to become complacent in terms of ensuring you have the right insurance cover and sum insured in place.” RACT Insurance’s ‘Investor’ product not only ensures that the damage is repaired, it also covers loss of rent. There is also cover for the landlord’s fittings, and for damage resulting from deliberate acts by a tenant. “Further to making sure you have the correct insurance product in place, reviewing the appropriateness of your sum insured is imperative,” Mr Sayers said. “We don’t want our customers to be caught without enough cover. This is why we have a 25% safety net. It provides up to an extra 25% of your sum insured if you are unlucky enough to be underinsured.” As to the advantages of being served by a truly local claims service, Mr and Mrs Kupush are already convinced: “We couldn’t speak more highly of the way in which our claim was handled. The assessor and his team were reassuring, professional and approachable – from the first devastating site meeting to the final handover.” Choosing the right insurance – and the right insurer. When fire damaged the ground floor of the Kupush’s rental property, they quickly discovered the advantages of being insured with a Tasmanian company. For further information 1800 000 699 or visit www.fire.tas.gov.au As it gets colder more homes in Tasmania catch fire! Only working smoke alarms save lives PLAN YOUR ESCAPE IN CASE OF FIRE Wailing smoke alarms, intense heat, thick smoke. It’s pitch black and you are half-asleep. Could you steer yourself and your family to safety under these conditions? This is one of the questions that Tasmania’s firefighters are putting to people during this year’s winter fire safety campaign. “While there is an increasing awareness of the importance of smoke alarms, there are still thousands of Tasmanians who have not developed a home fire escape plan for their homes,” said Mike Brown, Chief Officer of the Tasmania Fire Service. “One of the key reasons people lose their lives in house fires is the combination of fire, smoke and the production of poisonous gases. These things combined have the power to kill.” Three minutes is all it can take to lose your home and family to fire. “Experience tells us smoke alarms provide an early warning, but should be backed up with a home fire escape plan to ensure you can get out safely during a fire.” Mr Brown advises people to draw up a home fire escape plan with all members of the household and practise their escape, making sure everyone knows two exits from every room, particularly bedrooms. Home fire escape plans are easy to develop and should include the following: • Working smoke alarms • Knowing two safe ways out of every room • Ensuring windows and doors open quickly when required, and keys are kept in deadlocked doors • Deciding on a safe outdoor meeting place e.g. the letterbox • Remembering to crawl close to the floor if you have to escape your home during a fire • Once you’re out, stay out. Want more information about fire safety? Contact your local fire station, on 1800 000 699 (freecall) or visit www.fire.tas.gov.au This is a fire safety message from Tasmania’s firefighters. As it gets colder more homes in Tasmania catch fire! Keep flammable materials at least 2 metres from the heater. For further information on home fire safety 1800 000 699 or visit www.fire.tas.gov.au This TFS message brought to you by June / July 2012 31
Apr May 2012
Aug Sep 2012