Some insurance claims case studies

FACTORY FIRE DAMAGE

FIRE DAMAGE AT FACTORY WAREHOUSE

An extensive fire in a furniture manufacturers in Kent. We were able to assist with obtaining alternative premises whilst building repairs were undertaken. We negotiated premium payments with the landlord’s insurers in order to speed up the repairs and get the factory running again with the least possible delay. We negotiated with the client’s insurers a business interruption claim which resulted in payments being made to the client by the insurer for a period of 18 months after the fire.

PUBLIC HOUSE FIRE

Substantial fire damage to a public house in London. We were able to negotiate a cash settlement as opposed to reinstating the property, which would not have been in the clients best interest, as it subsequently proved most beneficial to redevelop the site.

EQUESTRIAN CENTRE FIRE

Significant fire spread from adjoining farmland and resulted in the destruction of grazing land and injury to several horses. This in turn had a devastating effect on the new business which comprised the training and sale of young horses. We were able to convince insurers this was a new enterprise and the business interruption loss should be considered on the basis of the business plan which had been prepared for the bank.

CONTRACTORS ALL RISK

Contractors claim involving water damage, due to vandalism, to a development of flats. We negotiated a substantial increase on the claim settlement although the flats were at varying degrees of completion.

SUBSIDENCE

Insurers rejected a subsidence claim in Cambridge. We considered the insurers interpretation of the policy wording to be incorrect. We took the matter to the insurance ombudsman and the claim was agreed by the ombudsman resulting in a payment to the Client in excess of £80,000.

WATER DAMAGE

A manufacturer of CD’s & DVD’s in Sussex had considerable damage to specialist machinery. We negotiated with insurers on the interpretation of the policy wording; they maintained that the nearest equivalent replacement was significantly less than the client claimed. After considerable negotiations insurers agreed that we were correct with our interpretation and paid out on the higher price.

DOMESTIC CLAIM

There was a dispute of policy wording in respect of a fitted kitchen & wall tiling. After our negotiations the insurer agreed to replace the whole kitchen including wall tiling throughout.

Insurance Claims Assistance

Assessors/Adjusters - London, Kent & Medway

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