It’s that time of year again when the bookies start speculating about a cold winter. The last big freeze in Ireland was in December 2010. It thawed out on new year’s day 2011 and we were very busy with claims. The majority of problems were pipes freezing in the attic space. As we all know water will expand when it freezes, with enough strength to split or burst a pipe (see
In Property Claims Loss Assessors ltd (PCLA) the most common problem we have is people being underinsured. This could be as a result of the last recession where people sometimes get mixed up and think the value of your home is what you should insure it for. This is completely wrong you need to insure your house and outbuildings for the full cost of rebuilding. The onus is on you
In Property Claims Loss Assessors (PCLA) we deal with water damage claims on a daily basis. Where a house is new or where the house has recently been replumbed we are being advised by Insurance companies that they may take a legal recovery action against the plumber in the case of a water damage claim caused by a leaking pipe. The statute of limitations is a time limit which outlines
Its amazing how we all view our homes as safe havens. We (in Property Claims Loss assessors Ltd) come across domestic fires on a regular basis. Thankfully in almost all situations there hasn’t been an injury or loss of life. In 20 years assessing we’ve dealt with two cases involving loss off life. In both cases it was elderly people who became confused when the properties filled with smoke. Hopefully
Homeowners may find it difficult to realise they have an underfloor leak. They may hear the tank in the attic refilling all the time. Or they might notice a drop in the heating system pressure gauge. Alternatively there may be a discoloration on the timber floors, floor tiles may be coming loose or boasted (hollow noise when tapped with the back of a knife). Skirting boards coming away from the
Insuring your business premises is just as important as insuring your home. Maybe, depending on what kind of business you’re in, it may be even more important. But insuring a commercial property has a few more potential problems and difficulties compared to insuring an ordinary household. In business you may need to consider Buildings, Business Interruption, machinery, equipment, stock, vehicles etc. Engaging an Insurance broker can steer you through taking
When people call us with this question then we see it as potential subsidence. I always ask the following questions in advance of our free visit. Are the cracks on both sides of the wall ie do they go right through the wall? If only on one side then it could be just a crack in the plaster. Are the cracks wider at the top than at the bottom. If
Floods are terrible things that cause a lot of devastation. Because cubits of wood are not so easy to obtain these days, the traditional method of flood preparation is out of reach for most people. Luckily there are still plenty of things you can do, as described in the following collection of tips. 1. Buy flood insurance Flood insurance is not always easy to obtain and it may be expensive, but
When a pipe bursts, the damage caused can be devastating. It’s not just the physical damage caused to the property that is a problem, but you can also lose precious objects and things of sentimental value. Nor is the damage from a burst pipe confined to what is immediately obvious. Sometimes the water damage can be more extensive than your direct observation leads you to believe. Water can seep down
Pipes can burst for all kinds of reasons, and also water pipes may be made from different materials, so that can affect both the tendency of them to burst and the causes. The most common cause of burst water pipes is freezing. This will affect both metal and plastic pipes, while pipes made from more flexible materials or concrete will be less likely to be affected. In the case of
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