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  • Mapping the risk of groundwater flooding |
    help calculate risk and this has highlighted what in the past has been a weak area mapping the risk of groundwater flooding There are four types of flooding fluvial from rivers pluvial surface water from rain coastal and groundwater The latter occurs when water rises up from below ground for example from underlying rocks or from abnormal springs This tends to happen after prolonged periods of heavy rainfall and as a result the water table rises above normal levels One key difference compared with other types of flooding is that groundwater floods tend to take longer to dissipate There s a very good explanation of it all on the UK Groundwater Forum website According to a recent article in Post magazine groundwater flooding is more difficult to predict than the other types of flooding But work has now been carried out which should lead to improved groundwater risk modelling specifically flood risk consultancy Ambiental has produced a Groundwater Flood Risk Map which can be used by insurers to assess flood risk to even individual properties On the subject of Flood Re the Association of British Insurers the ABI has put together a really good explanation of what the scheme is all about which you can find on its website Share this page This entry was posted in Flood Articles Flood Re Latest News And Developments and tagged buildings insurance flood Flood Re flooding 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/mapping-the-risk-of-groundwater-flooding/ (2016-04-24)
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  • Beware: more sinkholes appearing |
    Way and the A27 in Hampshire have been closed by huge holes opening up with another appearing on a beach in Devon None of these was near property but this can happen as we mentioned in a previous blog So what is the position on insurance if a sinkhole opens up near your home The key point is that most buildings insurance policies cover damage caused by a sinkhole but only to the property itself Damage to the garden or any garden features is not automatically covered and this includes swimming pools patios hot tubs trees plants and ponds These would need to be covered by extra insurance but according to an article in The Guardian it seems that no insurer in the UK would be willing to take on that risk If you re worried about sinkholes particularly if there s a history of them appearing near you then as always make sure you read the small print of your buildings insurance to ensure your property is covered But you can also take practical safety measures to avoid triggering a hole in an area prone to subsidence These include fixing water leaks from gutters and downpipes avoiding running a hose for extended periods and never emptying a swimming pool on to the garden Share this page This entry was posted in Home Insurance News and tagged buildings insurance home buildings insurance sinkholes 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/beware-more-sinkholes-appearing/ (2016-04-24)
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  • Deadline looms for landlords’ smoke alarms |
    back in April and now the deadline is looming from October 1 st failure to meet these regulations could result in a 5000 fine The new law requires landlords to install smoke alarms on every floor of their property and to test them at the start of every tenancy In addition carbon monoxide alarms must be fitted in any high risk rooms for example where there s a boiler Once the tenancy starts it becomes the responsibility of the tenant to test the alarms and inform the landlord if they re not working Looking at the new law in more detail it states that a smoke alarm must be fitted on every storey of the premises on which there is a room used wholly or partly as living accommodation This includes a half landing with a bathroom or WC The carbon monoxide alarm must be in any room which is used wholly or partly as living accommodation and contains a solid fuel or gas burning combustion appliance So if you re a landlord and you haven t met these new regulations you ve got a month left to do so More information can be obtained here Share this page This entry was posted in Landlords Articles and tagged fire safety landlords 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 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/deadline-looms-for-landlords-smoke-alarms/ (2016-04-24)
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  • Empty nests and insurance |
    prospect of an empty house as their babies head off for university Amid all the excitement of packing them up for their first term of freedom something you should consider is taking out insurance cover for them According to moneysupermarket com young people are three times more likely to be burgled and one in three university students are the victim of crime So this makes it all the more important that they have the right insurance cover Sometimes students can be added to their parents home insurance but this isn t always the case and even if it is quite often there are a lot of restrictions imposed It can actually be cheaper for students to have their own cover but it s not necessarily the specialist student insurers who provide the best deal As always it s best to shop around but read the small print to make sure the policy does provide the cover you need Moneysavingexpert com has an excellent guide to how students can manage their finances and included in this is how to find the right insurance it s section 21 on this page Share this page This entry was posted in Home Insurance News and tagged household insurance insurance claim students 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/empty-nests-and-insurance/ (2016-04-24)
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  • Sky lanterns: the latest bans |
    issued in the wake of a huge fire in the West Midlands caused by a rogue lantern Since then there have been growing demands that they should be banned completely and indeed many councils have now taken this step It seems that Wales is leading the way and now more than half of Welsh councils have imposed a ban This follows a campaign by the Welsh RSPCA which underlines that they pose more than a fire risk there have been many instances where the thin wire contained in the lanterns has been eaten by animals and caused severe internal injuries Councils across England are following suit for example Bristol Bath and North East Somerset North Somerset and South Gloucestershire councils have all either already banned or are introducing a ban on the release of lanterns from council owned land The National Farmers Union has also become involved it launched a letter writing campaign earlier this year which asked farmers to write to their local authority to ask them to ban sky lanterns So the campaign is gathering momentum and it may not be long until there is a complete ban Share this page This entry was posted in Home Insurance News and tagged safety sky lanterns 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/sky-lanterns-the-latest-bans/ (2016-04-24)
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  • New riots bill on the agenda |
    Riot Damages Act This didn t happen before the election but now that the dust has settled it seems that something is going to happen The House of Commons has just carried out the ballot for Private Members Bills and one of the winners proposals is the review of this Act The new bill will update the law which dates from 1886 and which sets no limits on the sums insurers can claim back from the police for any damage caused during a disturbance The new rules outlined in the Riots Compensation Bill will limit the amount insurers can claim to 1 million This is put into sharp focus by the continuing court case over the Sony warehouse which was destroyed in the 2011 riots which we also wrote about last year This dispute between the Mayor of London and the Japanese insurers of the premises is now at the high court The crux of the matter is who should foot the 49 million bill for the losses caused the insurers or the Mayor on behalf of the Metropolitan Police This would not have happened under the terms of the new bill We ll keep an eye on Parliamentary progress Share this page This entry was posted in Business Insurance News and tagged buildings insurance business insurance business interruption riots Riots Act 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/new-riots-bill-on-the-agenda/ (2016-04-24)
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  • Flood risk certificates |
    meantime there are some very interesting associated moves happening Groups in the insurance industry have now called for the introduction of a flood resilience certificate for household properties This would allow homeowners to prove that their property had undergone adaptations which would improve its defences against flooding It s been described in the press as something which would operate in a similar way to your home s energy performance certificate The key point of this new scheme would be to help insurers assess the risk of flooding for individual properties rather than lumping all properties in a postcode together despite there being a huge disparity in risk And the obvious extension of this is that if you have a flood resilience certificate your insurance premiums might go down There is still a long way to go But influential bodies in the insurance industry have put their weight behind the scheme and one the Association of British Insurers has asked for a deadline of the end of this year for agreement to go ahead and the end of next year for a pilot scheme to start We will keep a watch on any developments Share this page This entry was posted in Flood Re Latest News And Developments Home Insurance News and tagged buildings insurance flood Flood Re flooding 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 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/flood-risk-certificates/ (2016-04-24)
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  • Premiums go down – but beware |
    that premiums are now at an average of 116 a year compared to 160 five years ago This is attributed to a dramatic fall in burglary rates across Britain plus fewer claims for flood and storm damage which seems incredible considering the weather we ve had over the last few years Of course this is very welcome But it could be a double edged sword as this fall in premiums also puts pressures on insurers to save costs when settling a claim We see this when managing claims on behalf of our clients there is a definite move among insurers to be tougher than ever when it comes to negotiating the settlement claimants are entitled to under the terms of their policy The most important thing is that people make sure when they take out an insurance policy that it really does provide the cover they need So our advice is as always don t just go for the lowest price Always look carefully at what you re buying read the small print and make sure you are fully covered Cheap can all too often be too good to be true Share this page This entry was posted in Home Insurance News and tagged buildings insurance contents insurance home buildings insurance home insurance household 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 Articles 3 Theft Articles 9 Archive April 2016 March 2016 February 2016 January 2016 Morgan Clark Fire and Flood Insurance Claims Management Residential Commercial

    Original URL path: http://www.morganclark.co.uk/about-us/blog/premiums-go-down-but-beware/ (2016-04-24)
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