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  • Flood Re: too late for recent victims |
    decided not to pay these huge hikes and were left uncovered and now they face a huge personal bill for reinstating their homes Flood Re is the result of four years of negotiations between the government and insurers This was prompted by the ending of the previous agreement through which insurers provided flood insurance for high risk properties in return for extra state investment in flood defences The agreement ran out in 2009 and since then there s been a tortuous and extremely lengthy process to reach a new deal It looked at one point as if it would be implemented last year but after numerous delays it finally goes live this April For many this is too late And even when it s implemented Flood Re isn t comprehensive in its scope In particular it doesn t cover businesses and the recent flooding in the north of the country has hit a huge number of small businesses When asked about this a spokesman from the Association of British Insurers was quoted in the Guardian recently as saying We have not been presented with any evidence of large scale problems in the commercial sector Most businesses should be able to arrange competitively priced flood insurance through a broker But there have been numerous examples of businesses hit by the floods who face a significant financial impact with accountants KPMG saying that many businesses will have insufficient insurance to cover the damages SME Insider There are now even more calls to reconsider and to extend Flood Re to cover small businesses and the Chief Executive of Flood Re has offered a glimmer of hope when he apparently conceded that it is self evident that businesses are suffering in the wake of the recent flooding So on it goes We will as

    Original URL path: http://www.morganclark.co.uk/about-us/blog/flood-re-too-late-for-recent-victims/ (2016-04-24)
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  • Hike in insurance costs for wood burners |
    effective way to warm your home while also cutting heating bills According to a recent article in the Daily Mail using wood as a heat source can cut your energy bills by around 25 per cent and wood burners are far more efficient than open wood fires But it seems that this saving could be offset by a rise in home insurance One man in Kent recently swapped two open fires in his thatched cottage for wood burners When he informed his insurer his 2160 insurance premium jumped by 300 So he shopped around and nine out of the other 10 insurers he contacted wanted to charge even more This is despite the stoves being fitted by a HETAS qualified engineer He has now referred his case to the Financial Ombudsman but the signs are that they won t find in his favour The problem as we explained in our previous blog is that wood burners generate far higher temperatures and send more sparks up the chimney This creates a significant fire risk particularly for thatched cottages But apparently it s not every insurer which is wanting to charge more so the answer is to shop around but also to make sure firstly your stove is properly installed and secondly that you are completely honest about having a wood burner Otherwise your insurance could be invalid Share this page This entry was posted in Fire Articles and tagged buildings insurance chimneys fire fire damage home buildings 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/hike-in-insurance-costs-for-wood-burners/ (2016-04-24)
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  • Hit by floods? Here’s how we can help. |
    things go as smoothly as possible The first thing we do is to help the victims find emergency accommodation and they may also need interim funds For business owners they ll need alternative premises and perhaps interim payments to continue trading A major priority is drying out and sanitising the property correctly This isn t something that can be carried out by anyone it needs a specialist otherwise it may just cause problems later on Most importantly it shouldn t be rushed Then there s overseeing the emergency works assessing the damage and loss dealing with the insurer and their loss adjuster and managing the property reinstatement For commercial claims we need to calculate the business interruption aspect of the claim which covers increased cost of working and loss of profits Until you experience it you can have no concept of just how big the task you face is going to be But we work hard to get you back into your homes or businesses as soon as possible and it is always so satisfying to see people we ve helped getting their lives back to normal We ve got lots of examples of this you can read them on our customer stories section To give you some idea of what you face and what you need to do we ve also put together a Guide to Making a Flood Insurance Claim you can read either the residential or business version here We re only a phone call away if you ve been hit by a flood and need help with your insurance claim Share this page This entry was posted in Flood Articles and tagged buildings insurance business insurance business interruption commercial insurance contents insurance flood flooding home buildings insurance home insurance household insurance insurance claim Back to the

    Original URL path: http://www.morganclark.co.uk/about-us/blog/hit-by-floods-heres-how-we-can-help/ (2016-04-24)
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  • Cautionary fire tales |
    important in the winter months when there s less chance to hang washing outside In brief don t leave your machine on overnight or when you go out and make sure you remove any lint that s built up inside the machine do this after every use Secondly there was another incidence of something we ve warned about before A woman in Greater Manchester saw a recipe online for making cheese on toast by using her toaster turned on its side Of course this led to a fire and luckily she was able to get out before the fire really took hold It took firefighters twenty minutes to put out the blaze Photos of the damage have been posted online Don t do it And finally this is a really bizarre tale Thames Valley Fire Service were called to a flat because a smoke alarm had been activated When they entered the property they found a small fire in the kitchen but the only occupant was a dog who was unharmed Further investigations showed that the most likely cause was when the dog tried to get hold of some treats which had been left on top of the cooker In doing so it had turned on one of the hobs and the treats started to smoulder It was very fortunate that a neighbour heard the alarm otherwise it could have been catastrophic The fire service has issued two bits of advice make sure your smoke alarm is working and never leave anything close to heat sources such as hobs 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/cautionary-fire-tales/ (2016-04-24)
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  • Four-step plan for burst pipes |
    to a freeze After a freeze there s the danger of burst pipes So here s a useful diagram covering what to do if your pipes burst In summary this is what it says Turn off the stop cock Turn off the central heating and or immersion heater Turn off the electricity but DO NOT TOUCH WIRING IF IT S WET call an electrician And finally call a loss assessor such as Morgan Clark as well as dealing with your insurer they can bring in experts to assess and deal with the damage and may also be able to arrange temporary accommodation I may be a kill joy but let s hope it s not a white Christmas Share this page This entry was posted in Escape Of Water Articles and tagged accidental damage burst pipes freeze winter 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/four-step-plan-for-burst-pipes/ (2016-04-24)
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  • Flood advice for homeowners |
    inevitable that more households will be affected by floods before the year is out Floods can and usually do hit without warning which leaves very little time for those in high flood risk areas to prepare much in the way of a flood prevention or recovery plan With this in mind we have produced a detailed flood guide which provides lots of practical advice and information for homeowners about what to do before during and after a flood Specifically the guide offers information and advice regarding the following key areas Insurance and protection for homes at risk of flooding Flooding checklist Practical methods and products to reduce flood damage Emergency numbers and useful resources Flood water and the clean up operation List of items to have on hand during a flood The role of the loss assessor If you believe your home is at risk of flooding we would recommend you head over to our flood information for homowners page give it a good read download the flooding checklist and make a note of emergency numbers so that if the worst does happen and your home is hit by a flood you ll be better prepared to face the aftermath If your home has already been flooded and you are looking for advice about to what to do next regarding your insurance claim please do not hesitate to get in touch Share this page This entry was posted in Flood Articles Home Insurance Articles 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/flood-advice-for-homeowners/ (2016-04-24)
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  • Flood Re: the final step for affordable flood insurance |
    delay it seems that the scheme will definitely come into force next April thus ensuring affordable flood insurance for homes across the UK I ve just had a look back to see how long we ve been writing about this Incredibly it is almost exactly three years since we first posted a blog about the end of the Statement of Principles which covered the agreement between the Government and insurers over flood insurance The blog concluded Something needs to happen quickly It didn t We then reported on the seemingly endless difficulties over reaching agreement with several false dawns The Association of British Insurers extended the previous scheme while these negotiations continued and then in May 2013 agreement was reached But it s taken over two years since then for the scheme to be drawn up and approved We ve had objections additions challenges changes disagreements Then there were technology issues which held up progress But in the end despite lingering dissent over various aspects of the scheme there was just no better alternative So now it s here with an operational start for Flood Re in April What an extraordinary tale but like all the best stories it looks like it s going to have a happy ending Share this page This entry was posted in Flood Articles Flood Re Latest News And Developments and tagged buildings insurance flood Flood Re flooding home buildings 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 Articles 10 Loss Assessors 12 News 113 Other Residential

    Original URL path: http://www.morganclark.co.uk/about-us/blog/flood-re-the-final-step-for-affordable-flood-insurance/ (2016-04-24)
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  • Protect your home before the big freeze |
    Christmas but it doesn t feel like it the temperature is still mild in most parts of the country But winter weather could arrive at any time now and judging by the number of berries on holly trees it may get extremely cold So before the full force of winter hits us it seems a good time to share our great infographic which shows some simple steps you should take to protect your home against a big freeze Share this page This entry was posted in Freezing Weather Articles and tagged burst pipes chimneys fire safety frakish weather storm weather 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 Insurance Claims Management Residential Commercial Fire insurance claims Flood insurance claims Burst pipes insurance claims Other insurance claims Fire insurance claims Flood

    Original URL path: http://www.morganclark.co.uk/about-us/blog/protect-your-home-before-the-big-freeze/ (2016-04-24)
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web-archive-uk.com, 2017-12-13