Tag Archives: loss adjuster uk

Have You Rodded Your Pipes Yet?

Autumn is a dangerous time for your guttering. Falling leaves get blown around in the wind, and other debris gets blown with them. And some of this debris can end up in your gutters and downpipes. If it’s left, the rainwater can’t run away and could end up flooding your home, perhaps causing structural damage.

It’s time to get rodding.

Preventing damage to your home should be enough reason, but failing to clear your gutters and downpipes could prevent you from making an insurance claim. This is because there’s usually a clause in your policy specifying that you have to get your guttering cleared and rodded at least once a year.

It’s not enough to do it, though. If you’re making a claim, the loss adjuster will require proof before allowing it to go through. If you feel confident enough to do the rodding yourself, you could get someone to take pictures of you. Or even take selfies — but remember that safety comes first.

If you’re hiring a contractor to rod your pipes, it’s vital you have a receipt. This isn’t always as straightforward as it might seem, as some contractors prefer to work cash in hand, with no documentation. That might be cheaper in the short term, but it could end up costing you a lot more, if you have nothing to show the loss adjuster.

Care for Your Roof

Your roof does a vital job protecting you and your home, and it’s essential to take care of it. It’s not just the guttering and downpipes that need regular attention. If you end up making an insurance claim for a leaking roof, you might be in trouble if you haven’t had it checked lately.

This requirement is often written into insurance policies, especially if you have a flat roof. Even if it’s not explicitly stated, though, failure to look after your roof could still mean you end up paying for the entire cost of repairing flood damage to your home. All for the lack of a bit of rodding.

Safeguard Your Business with Key Person Insurance

Any business, but especially a small one, can be vulnerable to losing a key person in its operations, whether permanently or for an extended period. This could be the owner or founder, but equally it could be someone in a crucial position who has knowledge and experience that would be difficult to replace.

Losing a person like this to serious illness or death can be terminal for the business. If this is the owner, for instance, it could prove impossible to afford the costs of bringing someone in to run the company. This would be devastating both for the lives of the owner’s family and for employees and customers.

This is why insurance companies offer Key Person Insurance (traditionally referred to as Key Man Insurance). This means that, if the crucial person dies or is incapacitated, the business can make an insurance claim to help it survive the crisis.

How Does Key Person Insurance Work?

Anyone involved in the business can be designated a Key Person, and you can have as many as you like — though, of course, a separate premium will have to be paid for each. If this person should unexpectedly die or develop an illness recognised by the insurer’s Loss Adjuster as a critical illness, the business can make an insurance claim.

The normal result will be a lump-sum pay out. This would, for instance, allow you to recruit a new person with the required expertise, or perhaps pay for training an existing employee to fill the role.

It’s important to be clear exactly what the policy does and doesn’t cover. For example, a policy may be just for critical illness, or it may offer life and critical illness cover. In the latter case, it’s also important to bear in mind that this isn’t the same thing as personal life cover. The Key Person may need a separate life policy, especially if they have a family. Your insurance broker should explain exactly what you’re insured for.

Do You Have Insurance Cover for Non-Forced Entry to your Home or Office?

There are many circumstances in which you may give your keys to someone providing a service. This could be a cleaner, a babysitter or a builder, plumber or electrician doing work in your home or office.

Most of the time, these people are completely reliable, but it only takes one exception to cause you trouble. Can you imagine coming back to find someone you trusted has made off with your property? Could it get worse?

It could. If you try to make an insurance claim for the loss, you’re likely to find it rejected. This is because the insurance company’s Loss Adjuster will point to it being a “non-forced entry”, which isn’t covered by most domestic or commercial property insurance.

Is There a Way of Getting Covered?

Any company that sends employees into customers’ homes should cover this risk in their insurance policy — but that doesn’t guarantee they’ll have done so. One of the checks you can do when choosing a service provider is to ask to see their policy.

Even so, it can still go wrong, since the policy is only any good if the company is paying the premiums at the time of the incident. The alternative is to discuss the matter with your insurance broker, who should be able to find you a policy that does cover this kind of insurance claim.

Even then, though, you aren’t home and dry. In order to ensure the Loss Adjuster won’t refuse your claim, it’s important to notify the insurer whenever you’re going to give a service provider access to your home. This is a requirement of all policies that cover non-forced entry.

This is a very real issue. In a recent case Allied Claims is aware of, a homeowner ended up out of pocket by £48,000 after being burgled during renovations, because the insurer hadn’t been informed. Be sure you don’t make such an expensive lapse.

Keep Your Home Insurance Safe for Your Summer Holiday

Before long, many of us will be locking up our homes and leaving them for a week or a fortnight to enjoy a well-earned summer holiday. The last thing we want is to come back to is a burgled home.

Burglar in HouseYou don’t want to be burgled at all, but however many precautions you take, there’s no cast-iron assurance that the burglars won’t find a way in. You can make an insurance claim, of course — but the worst outcome of all would be for the insurer’s Loss Adjuster to turn you down for not being careful enough.

You can take the common-sense precautions, like securely locking all doors and windows and having a good alarm installed and set. There are things, though, that can alert burglars that the house is empty — post or newspapers piling up, for instance. Remember to cancel what you don’t need, but ideally it would be best to arrange for a friend, relative or neighbour to visit a few times while you’re away.

The Dangers of Social Media

There’s a new danger these days, however. We all like to let everyone know what a great holiday we’re having by posting our photos on Facebook or other social media. The problem is that burglars look at Facebook too, and often use it to find out which properties are going to be empty. You may as well make a public announcement that your home is available to burgle.

If this happens, you may find when you make your insurance claim that the Loss Adjuster refuses you on the grounds of the Reasonable Care clause in your insurance policy. Your social media posts are a matter of record, and the insurance company may well check to see if you’ve been unreasonably careless.

So don’t help the burglars, and don’t give the insurer a reason to reject your claim. Keep the Facebook posts till you’re safely home. Feel free to get in touch with us for more information.

Don’t Get Caught Not Claiming for the Hidden Damage — Use Thermography

If your home or business property has suffered from fire or flooding, it’s difficult to be sure you’ve found all the damage when you make your insurance claim. Some problems can stay hidden for years, and when they emerge, it won’t be easy to get the Loss Adjuster to accept liability under your policy.

If you use thermography, though, this won’t be a problem. Thermography is a non-invasive thermal imaging system that can show up the hidden damage. It has a wide variety of uses, from night surveillance and leading firefighters round smoke-filled buildings to diagnosing cancers, as well as in insurance.

Thermography is completely safe because it’s an entirely passive imaging system. Whereas a technique like X-rays actually fires radiation at the subject, thermography simply reads the infra-red heat every object gives off and builds up an image.

How Can Thermography Help Your Insurance Claim?

Employing a thermography scan before you make your insurance claim can identify a wide range of issues you might never have suspected otherwise. Either fire or flooding, for instance, can result in electrical hotspots, which will cause trouble somewhere down the line, or damage to the insulation.

Water damage can also cause mould, which not only undermines the building’s structure, but can also be a health hazard. If you identify any of these through thermography, the Loss Adjuster will have little choice but to include them in your insurance claim.

Even if you’re not making a claim, having a thermographic scan of the building could save you money in the long run. Many of these problems, from hotspots to damaged insulation, can occur without a traumatic event, and fixing them could mean a substantial improvement on the energy efficiency of the building.

At Allied Claims, we offer thermography to our clients, and we’d strongly advise you to use it if you’ve had a fire or flooding incident at your home or business premises. Feel free to get in touch with us if you need to know more.

Insurance Claims for Water Damage and Dry Rot

After the kind of cold spell delivered by the “Beast from the East”, the number of burst water pipes skyrockets. This is because pipes can crack when they freeze, and water starts to flood out when they thaw.

If your home or business premises has been flooded, it’s vital to get the drying-out process started as soon as possible, and your insurer’s Loss Adjuster should be arranging that. The trouble is that everyone else is claiming at the same time, and it could take up to four weeks from making your insurance claim till the Loss Adjuster gets round to dealing with it.

Even when the drying-out process does get under way, you need to be sure it’s being done properly. If only the most obvious damp places are dried, it could mean trouble further down the line.

Drying Out Your Building

If water has leaked upstairs and seeped through to the lower storey, the wooden joists under the upper floor and the timber frame in the partition walls are likely to be saturated. Similarly, if the floor at ground level has been flooded, the water will be lurking in the sub-floor void and affecting the timbers there. Failing to dry these out thoroughly can result in dry rot developing, which can create serious problems later.

Unfortunately, even when the Loss Adjuster does bring in a restoration company, they may just install heaters and dehumidifiers that only dry out the surfaces and interior finishes of walls and ceilings. You as policyholder need to insist on seeing a complete specification of the work any contractor is going to carry out as part of your insurance claim.

Of course, it’s not always easy for an individual policyholder to stand firm against the Loss Adjuster, especially if you’re not completely sure of their rights. And that’s where an independent Loss Assessor like Allied Claims comes in. Not only will we get things moving in the first place, but we’ll also insist on full specifications and make sure they cover the hidden damage, as well as the obvious.

If you need to make an insurance claim for water damage or dry rot, get in touch to find out how Allied Claims can help you.

The Loss Assessor’s Role in Your Business Interruption Claim

It’s devastating enough for your property to suffer fire, flood or theft, but far worse if the property is also your livelihood. If you suddenly lose either the property itself or any assets it contains, such as stock or machinery, it could mean the end of your business.

Fortunately, you have the option of taking out business interruption insurance. This provides cover till your business has recovered to where it was before the disaster. It enables you to recover losses to your gross profits, while also covering any additional costs — renting temporary premises, for instance.

There can still be problems with your insurance claim, though. You could find that the indemnity period on your policy isn’t long enough for you to cover your costs, or that your business is underinsured. These and other factors may mean that the insurer’s Loss Adjuster won’t award you the full amount you need — and that can be as devastating as not having cover at all.

How Can a Loss Assessor Help You?

Even if you’ve made sure your business interruption insurance is accurate and up to date, there are plenty of pitfalls you can encounter in making your insurance claim. And this is where using an independent Loss Assessor can be the difference between whether or not your business survives.

A Loss Assessor provides you with help that’s at least as expert as the insurer’s Loss Adjuster, whose job includes finding legitimate reasons not to pay you. The Loss Assessor will help you compile a detailed claim that accurately calculates your loss of profits. This will be based on an realistic projection of how your business would have performed over the relevant period, drawn from recent performance and genuine forecasts.

Loss of business through a disaster is always going to be a trying time, but you can recover from it if your business interruption claim is properly handled. Why not get in touch with us to see how we can help you?

Are Your Rodding? Your Downpipes, That Is

It happens every Autumn. The falling leaves and twigs get blown about and end up in your gutters and downpipes, stopping the rainwater flowing away as it’s meant to. If the debris isn’t cleared, you could end up with an over-flowing pipe and flooding, and it could even damage the structure of your house.

You need to get your downpipes rodded.

This isn’t just because it’s a hassle to repair the damage, though. It’s actually a condition of many insurance policies that you have your gutters cleared and your downpipes rodded at least once a year, and your insurance claim may be refused otherwise.

The catch is that you have to be able to prove to the insurance company’s loss adjuster that it’s been done. If you’re doing it yourself, take pictures of yourself rodding — though be sure you stay safe if you’re taking selfies up on a ladder.

If you’re hiring a roofer, a receipt is essential. All too often, clients tell me they’ve had their pipes rodded, but they paid cash in hand with nothing written down. It may be tempting to save money that way, but it could end up costing you far more if you have to make an insurance claim.

Look After Your Roof

The guttering and downpipes need annual attention, at a minimum, but that’s not the limit to the attention your roof requires. A leaking roof can do untold damage to your home and, again, the loss adjuster is likely to refuse your claim if you can’t demonstrate that you’ve looked after your roof.

If you have a flat roof, in particular, there’s likely to be a clause in your insurance policy that you must have it maintained every ten years. Whatever type of roof you have, though, it’s vital to keep it in good condition and hang onto the proof. Otherwise, you may end up having to pay for the total cost of repairing your flooded home.

 

The Causes, Symptoms and Cures for Subsidence

Any suspicion of subsidence strikes fear into the heart of homeowners, and for good reason, as it can mean a substantial repair bill. As long as you don’t neglect the problem, it should be covered by your insurance policy, but it’s important not to give the Loss Adjuster any chance to refuse your claim.

Subsidence is when the building’s foundations slowly sink, and is most often caused by nearby trees and shrubs sucking moisture from the soil, leaking drains softening the ground, or old mine-workings beneath the house.

Although subsidence could happen to any building, the biggest risk is for Victorian and Edwardian homes, which tend to have very shallow foundations.  There’s also a particular risk if the house is built on clay-rich soil — which accounts for a good deal of the South-East.

Unless there’s a specific cause, such as a leaking drain or mine-workings, it usually starts with trees or shrubs sucking up the moisture from the soil. As the clay dries, a “shrink-swell” effect hardens and cracks it, and the foundations start to sink.

Subsidence is usually combined in your insurance policy with heave, a separate but related problem. This is caused by the ground becoming saturated, lifting up and sometimes sideways, and can result in symptoms similar to subsidence.

Identifying, Preventing and Fixing Subsidence

The most obvious signs of subsidence are:

  • Cracks appearing in brickwork and plaster, especially if they’re wider at the top.
  • Doors and windows sticking with no obvious reason.
  • Ripples in the wallpaper when there’s no sign of damp.

Cracks can also be caused by the house settling, especially if it’s new, but if they keep widening the chances are it’s subsidence. If you notice any of these issues, it’s important to inform your insurer at once.

It’s also advisable to have it looked at by a qualified surveyor. If there is subsidence, it may be possible to solve it by removing tree roots or repairing a leaking drain, but it’s likely your home will have to be underpinned, which involves adding extra support for your foundations. This should normally be covered by your insurance policy, but it may involve an excess up to £1,000.

In addition, insurers often regard an underpinned house to be at greater risk, so you’ll face higher premiums. It makes sense, therefore, to prevent subsidence from happening and avoid having to make an insurance claim. Precautions to take include:

  • Before you buy a house, check the surveyor’s report for any signs of subsidence.
  • Don’t have trees or shrubs closer than 5-10 metres to the house.
  • Prune the branches of any trees regularly.
  • Make sure your pipes and drainage systems are well maintained, so they don’t leak into the ground.

Legal Expenses Cover and Your Home Insurance

Most insurance claims are straightforward. If you’ve had a fire, your home’s been flooded or your roof has been blown off, there shouldn’t be a problem claiming — although the company’s Loss Adjuster may still find a flaw in your claim.

Sometimes, though, an insurance claim can be a lot more complex. You could find yourself having to seek legal advice, or even pursuing or defending a civil action.

This is a problem, since solicitors don’t come cheap. If you have legal expenses cover as part of your insurance policy, though, both legal advice and costs in a civil case would be covered.

How Does Legal Expenses Cover Protect You?

Having legal expenses cover can protect you against legal expenses in a wide range of situations, including:

  • Personal injury or death — If someone is claiming compensation for an injury sustained on your property, your legal expenses will usually be covered up to a specified amount.
  • Purchase or sale of property — You’re protected against expenses from contractual disputes during the sale of a property — with an estate agent or removal company, for instance.
  • Property disputes — The costs of a dispute over boundaries, noisy neighbours, damage to property and similar causes will be covered.
  • Consumer disputes — If you buy, sell or hire goods in your home, your expenses for disputes are covered.
  • Employment disputes — Legal expenses cover can pay the costs for an employment dispute, such as unfair dismissal, involving a tribunal.
  • Tax investigation — You can claim legal costs involved with HMRC investigating your tax affairs.

Legal expenses cover may already be included in your home insurance policy, but if you don’t know it’s there you could lose out. On the other hand, if you find your policy doesn’t include it, perhaps it’s time to rethink your home insurance cover.