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  • House fire causes and how to prevent them |
    a three year period caused by faulty incorrectly installed or poorly maintained electrical appliances Washing machines were the biggest culprits at 1723 followed by tumble dryers at 1476 and dishwashers at 1324 Cookers caused 1080 and fridge freezers 861 This should make us all stop and think The Department for Communities and Local Government has published an excellent guide entitled Fire Safety in the Home which gives very useful advice on electrical appliance safety and how to prevent a house fire This includes Always use the right fuse to prevent overheating Make sure your appliances have a British or European safety mark Many household appliances should have a single socket to themselves as they are high powered Keep one plug to a socket if possible Follow manufacturer s instructions when charging electrical goods and look for a CE mark Look for signs of dangerous or loose wiring scorch marks hot plugs or sockets fuses which blow or circuit breakers which trip for no reason or flickering lights Replace old cables and leads Unplug appliances when not in use The leaflet also gives advice on cooking safety safe use of candles and other fire hazards As always remember to have at least one smoke alarm and remember to test it weekly It s no use at all if it s not working And most importantly don t run your appliances over night or when you go out Share this page This entry was posted in Fire Articles and tagged electrical safety fire fire alarm fire damage fire safety save lives smoke alarm Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home

    Original URL path: http://www.morganclark.co.uk/about-us/blog/house-fire-causes-and-how-to-prevent-them/ (2016-04-24)
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  • Scheme coming to compare insurance products |
    insurance cover which is why professional help from a loss assessor can make all the difference This is in stark contrast to car and travel insurance which are far simpler products and therefore have much higher success rates and therefore less need for expert help But it s also difficult for consumers to find the right product at the right price in the first place So it was good to read last week that the Financial Conduct Authority is launching a pilot scheme to help consumers compare insurance firms We wrote about the possibility of this last year it was proposed because a study showed that many of us are over paying for our insurance The pilot scheme which starts in the summer will compare insurance firms based on a scorecard system showing how often people are likely to make a claim on a product how likely the claims are to be accepted and the average payout Data will be published at the beginning and the end of the pilot which is going to last for 12 months It s not clear yet exactly which products are going to be included in this initial phase But if it s successful it will be rolled out more widely which will mean that we ll all be able to shop around for home car and travel insurance based on solid claims data Share this page This entry was posted in Home Insurance News and tagged home insurance household insurance insurance insurance claim Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords

    Original URL path: http://www.morganclark.co.uk/about-us/blog/scheme-coming-to-compare-insurance-products/ (2016-04-24)
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  • The dangers of tumble dryers |
    if you leave them running overnight or when you are away from the house Some tumble dryer manufacturers have issued warnings about their products which we wrote about previously But it s not just these particular models which are causing fires and many fire services are issuing urgent safety advice One which has just appeared is from Wiltshire Fire Rescue Service They say that users should look for warning signs which include a smell of burning textiles taking longer to dry and dried items feeling hotter at the end of the cycle You should also check if the external vent flap stays shut when the dryer is on They have issued some additional advice Always read and follow the manufacturer s advice Never leave the appliance unattended or running overnight Never put rags or materials into the tumble dryer if they have been used to soak up flammable liquids Keep the dryer well ventilated ensuring the vent pipe is kink free not blocked and not crushed in any way Never cover the vent or any other opening and only use recommended vent pipes and not improvised ones Clean the filter after every use Only vent the warm air to the outside of the building Have the dryer serviced regularly by a qualified engineer Always have working smoke alarms and test them regularly But let s hope we ll be able to hang the washing outside soon Share this page This entry was posted in Fire Articles and tagged electrical safety fire fire damage fire safety smoke alarm Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home

    Original URL path: http://www.morganclark.co.uk/about-us/blog/the-dangers-of-tumble-dryers/ (2016-04-24)
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  • Riot damages claim reaches the Supreme Court |
    ruling by the UK Supreme Court on a fight he is having with insurance companies following the London riots in 2011 We wrote about this back in July 2014 The row centres on damage during the riots to a Sony warehouse in Enfield According to the Riot Damages Act which dates back to 1886 compensation for any building or property damaged during a riot can be claimed from the police as the damage is deemed to be due to defective policing In the case of the Enfield warehouse this would mean that the Metropolitan Police which is funded by Boris Johnson s office would be liable for more than 70 million However the Enfield case has gone backwards and forwards through the courts First a High Court judge ruled that although the police were liable under the Act there was a limit to this liability and consequential losses including loss of profit and rent were not recoverable from the police This was challenged by insurers and the Court of Appeal then ruled in their favour So now the case has gone to the Supreme Court which started its deliberations a couple of weeks ago We ll report back as soon as there is any decision Share this page This entry was posted in Business Insurance News and tagged business insurance business interruption commercial insurance Insurance law riot damages act riots Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March 2016 February

    Original URL path: http://www.morganclark.co.uk/about-us/blog/riot-damages-claim-reaches-the-supreme-court/ (2016-04-24)
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  • Cockermouth floods: turning to Morgan Clark a second time |
    particular is going through its second serious flooding in six years We worked with many Cockermouth homeowners and businesses after the 2009 floods helping them with their insurance claims And while it s so disheartening to see them affected a second time it is also very reassuring that many of them have turned to us again This shows the big difference they felt we made by taking over their claim allowing them to get on with rebuilding their lives One example is an elderly lady whose house backs on to the river in Cockermouth In 2009 she started an insurance claim herself but soon realised how difficult it would be so she turned to Morgan Clark and she is using us again in 2016 She told us When I met Morgan Clark I felt I would have someone on my side who would do the best for me and my children The insurers took more notice of them than if I d been on my own and it was all much quicker than for my neighbours who handled things themselves So once again I m just going to let them do everything You can read her full story here Share this page This entry was posted in Flood Articles and tagged buildings insurance contents insurance flood flooding home buildings insurance household insurance Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March 2016 February 2016 January 2016 Morgan Clark Fire and Flood

    Original URL path: http://www.morganclark.co.uk/about-us/blog/cockermouth-floods-turning-to-morgan-clark-a-second-time/ (2016-04-24)
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  • Parliament debates business flood insurance |
    for Calder Valley where many businesses were badly affected by flooding in 2012 and were then unable to afford the flood element of their insurance Some of these have been hit again by the recent floods and several have now folded Mr Whittaker focused among other things on how vital these businesses are to the very existence of the communities affected The response from Rory Stewart Under Secretary of State for Environment Food and Rural Affairs offered some explanation for the exclusion of businesses from Flood Re In a nutshell having a commercial version of the scheme is seen as unworkable because of the complexity of business insurance It s not as simple as residential insurance which is primarily for just two types of cover buildings and contents Some businesses particularly in the service sector may not need for example high levels of business interruption insurance they can move and set up elsewhere quite quickly Others with high levels of stock or equipment or if they re location dependent need far higher levels of cover and face far longer before they can resume trading So there is a huge challenge in working out how much each type of business should contribute to such a scheme But the Minister ended on a positive note flagging the fact that there is a roundtable this week which will bring together various insurance industry bodies and representatives of small business to look at the issues involved His final words were encouraging We will through the roundtable and through the weeks ahead look relentlessly and vigorously at the costs and benefits economic and social which are involved in failing to provide adequate business insurance We will report back Share this page This entry was posted in Flood Articles Flood Re Latest News And Developments and

    Original URL path: http://www.morganclark.co.uk/about-us/blog/parliament-debates-business-insurance/ (2016-04-24)
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  • Hoverboards and safety fears |
    week there was yet another report in the press that one had burst into flames in a house in Yorkshire not while it was charging but immediately after it had been unplugged Luckily no one was seriously hurt in the incident but the house was severely damaged and the occupants were very fortunate to get out with only minor injuries To add to the family s troubles the house was burgled soon after the fire Then a couple of days later there was a report of a father from Surrey who jumped on his son s hoverboard and was then thrown off hitting his head and suffering amnesia In December National Trading Standards put out a statement saying that 88 per cent of hoverboards examined by them since October were likely to explode or catch fire They claimed that the key reason for these dangers was poor quality components which are being used to keep prices down Many of the UK s major retailers including Amazon Argos John Lewis and Tesco have recalled various hoverboards and now there s the news that Amazon is offering a full refund for any bought through its site So let s hope this craze is over before it s really begun and we see no more fires or falls Share this page This entry was posted in Fire Articles and tagged electrical safety fire fire damage fire safety hoverboards save lives Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles

    Original URL path: http://www.morganclark.co.uk/about-us/blog/hoverboards-and-safety-fears/ (2016-04-24)
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  • Businesses hit by recent floods |
    January have hit businesses very hard According to PricewaterhouseCoopers commercial insurance claims typically make up approximately 10 to 30 per cent of the total insured loss claim But it seems that commercial claims resulting from storms Eva and Desmond alone will make up about 50 per cent of the total insurance claims This is explained by the fact that cities and towns were so badly hit and according to our people on the ground there has also been a significant number of industrial estates built near rivers which have been affected PWC warns that this is likely to be reflected in rates increases when businesses renew their insurance by as much as 100 per cent in some cases And this isn t the only financial hit some of these businesses are likely to suffer the storms will almost certainly deter visitors hitting revenue from tourism which is a vital part of the local economy in some of these areas Advice to businesses includes increasing their resilience against floods which may in turn reduce their insurance premium for example by putting up flood barriers having access to pumps using alternatives to carpets having sockets high on walls and using waterproof plaster But all of this is likely to add further fuel to the demand for Flood Re to be extended to cover small businesses Share this page This entry was posted in Flood Articles Flood Re Latest News And Developments and tagged buildings insurance business insurance commercial insurance flood Flood Re flooding insurance insurance claim Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99

    Original URL path: http://www.morganclark.co.uk/about-us/blog/businesses-hit-by-recent-floods/ (2016-04-24)
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