In the hours after a car slammed into their hotel, heartache sank in for Alan & Sharyn Quagliotto. The front bar of their Royal Hotel in Ingham’s main street was left in tatters.
While total chaos surrounded the owners, their NQIB Broker, who was nearby when the accident occurred, quickly mobilised the claims team and had the claim lodged within an hour. The insurers were made aware of the seriousness of the accident and quickly arranged a builder to be onsite. By 2am the builder was onsite, assessing the damage and planning the removal of the debris and making sure the building was structurally sound. By 8am the following morning, the builder had his team onsite and the clean-up had begun.
An assessor was onsite by Saturday morning (yes – a Saturday!) and cleaners were also engaged to clean the smoke affected areas (the car caught fire on impact). Contact had also been made with an engineer, who advised he would be onsite Monday morning. By 10am, the hotel was able to reopen the unaffected areas of the hotel and continue trading. In the end, only 4 hours of lost trade were recorded, that being the night of the accident itself.
In the following months, NQIB arranged advertising for the hotel with the local paper to alert all of their patrons that the hotel was well and truly open for trade. An extension had been added to pay for this advertising under the insurance policy that the clients had since forgotten, but were soon grateful they had taken it out.
The engineers and assessors completed their reports and after a replan due to the discovery of an underground cellar, the extensive repair work was carried out.
A business interruption claim was also processed - again, a sometimes painful exercise that NQIB were able to take out of the hands of the business owners in order for them to focus on running their business.
After only 4 short (but long) months, the Royal re-opened its public bar – much to the excitement of Ingham locals who now had their late Friday night venue back.
Without a Broker to look into all the levels of cover for you, there may be extensions of cover on your policy that, unless you ask about them, you may never know they exist. With NQIB as your Local Broker, we will always be there when you need us most.