Category: News

Happy Christmas, it’s a time of year that most of us look forward to………….but for different reasons, unfortunately, thief’s especially look forward to this time of year. Gold and money seems to be the go to items to steal in any break-in, it’s a rare occasion these days would thief’s go for electrics such as TVs as they are too big to conceal and the resale value is not great.

We all heard the warnings last Thursday on the radio, that a status red storm Hannah was approaching. The actual definition of a status Red is below. Take action. Extremely bad weather is expected. Red means people in the areas concerned should take action now to keep themselves and others safe from the impact of the weather. Widespread damage, travel and power disruption and risk to life is likely. You

This is a common term used by insurance companies to decline a claim. As an example if you claimed for storm damage to a roof where parts of the roof are damaged and the survey by the insurance company reveals that the whole roof is in a bad state of repair, then they probably will decline the claim as there was natural ‘wear and tear’ to the roof anyway. The

A common issue arises in property claims when a house has been recently re-plumbed and a leak occurs relating to a faulty fitting. Under the policy the insurance company must pay for the damage caused by a leaking pipe fitting. If that faulty fitting was installed in the last 6 years then Insurers have the right to recover the full pay-out from that fitting manufacturer. The policy wording also ensures

So more and more cracks are appearing in your home, what do you do about it? You are covered for subsidence under your home insurance policy. Subsidence is a downward movement of your foundations and walls. If you think your floor is dropping in a certain direction this can be confirmed by a spirit level or rolling a golf ball along the floor it will go towards the downward corner.

Over the years we have received calls from Clients who recently had wood burning stoves installed. The flues were projecting through existing walls. The manufacturers of these stoves have guidelines on clearance distances between these flues and any combustible material. On one of the fires we acted on, the flues went through an existing stud wall and the flue was too close to a stud and hence the fire. In

Recently we have been asked to assess numerous claims involving newly installed plumbing systems. The problems were specific to a push on ¾’’ fittings with a rubber insert onto qual-pex piping on the hot water heating system. The inserts perish over time (2-3 years). The heating systems were failing joint by joint, as each fitting was replaced the next downstream one would go next like a domino effect. In all

Potential policyholders (proposers) have a duty of disclosure when taking out an insurance policy. ‘It is an implied condition in all contracts of insurance that the proposer shall make a full and complete disclosure to the insurer of all material facts relating to the risk to be insured’. Anything concealed is considered fraud and you cannot escape the consequences by claiming you did not know what was material. On a

Last winter we assessed hundreds of properties with snow damage to the roofs. When a roof or gutters become over loaded with snow or ice it can do terrible damage. Most roofs wouldn’t be designed to take that excessive weight. Equally a build-up of ice in a gutter can collapse a gutter. Roofs can collapse with an excess of snow. Particularly roofs with large spans and low pitches and big