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EarlyBay Forums
General Earlybay Chat
Restoration Work after fire ...
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<blockquote data-quote="kruger" data-source="post: 578452" data-attributes="member: 14895"><p>I'm gutted for you to lose a bus to fire, but just a few pointers and a dose of reality check of the situation you've found yourself in from a (former) assessor/insurers point of view.</p><p></p><p>CAT A - Always for fire damaged total losses - its the carcinogenic HFL, Hydro Fluoric Acid released from plastics/rubbers/foams that insurers do not want to deal with at a later date - Its a straigtforward total loss - negotiate a settlement and move on - I don't think protesting its not a 'total' burnout will get you anywhere - within the context and looking at the photos its a convincing burnout.</p><p></p><p>Total loss threshold to the engineer will be of the ballpark 60% of 'market value' - a realistic estimate that would be paid to a dealer for a similar bus. In this instance its a no brainer to the engineer - even if you can convince him the bus was worth £25k, there's far far more than £15k (60%) worth of parts, materials, labour, and VAT to be put on the bottom line.</p><p></p><p>In all honesty and not wanting to sound harsh I'm confident you'll not be putting it back on the road, as you'll not get it classified as a CAT C.</p><p></p><p>Good luck with the settlement though.</p></blockquote><p></p>
[QUOTE="kruger, post: 578452, member: 14895"] I'm gutted for you to lose a bus to fire, but just a few pointers and a dose of reality check of the situation you've found yourself in from a (former) assessor/insurers point of view. CAT A - Always for fire damaged total losses - its the carcinogenic HFL, Hydro Fluoric Acid released from plastics/rubbers/foams that insurers do not want to deal with at a later date - Its a straigtforward total loss - negotiate a settlement and move on - I don't think protesting its not a 'total' burnout will get you anywhere - within the context and looking at the photos its a convincing burnout. Total loss threshold to the engineer will be of the ballpark 60% of 'market value' - a realistic estimate that would be paid to a dealer for a similar bus. In this instance its a no brainer to the engineer - even if you can convince him the bus was worth £25k, there's far far more than £15k (60%) worth of parts, materials, labour, and VAT to be put on the bottom line. In all honesty and not wanting to sound harsh I'm confident you'll not be putting it back on the road, as you'll not get it classified as a CAT C. Good luck with the settlement though. [/QUOTE]
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Restoration Work after fire ...
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