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  • Smoke alarms: testing is not enough |
    and we ve got to replace it So I was very interested to read that fire brigades are now issuing advice on this very subject it s not enough to simply test if an alarm is working by pressing the button This will only confirm that the power source is functioning which is what was happening with our alarm They need to be replaced after a certain time Apparently 90 per cent of homes in the UK now have smoke alarms but only a third of householders who have experienced fires were alerted to this by their alarms In the event of a fire there are all sorts of reasons why it might not be activated including how old the alarm is how many you have in the house and where they are positioned So here are five smoke alarm top tips courtesy of the Devon Somerset Fire Rescue Service Install at least one smoke alarm on every level of your home The ideal position is on the ceiling in the middle of a room or on a hallway or landing Consider fitting additional alarms in other rooms where there are electrical appliances and near sleeping areas Don t put alarms in or near kitchens and bathrooms where smoke or steam can set them off by accident Replace your smoke alarms every 10 years Share this page This entry was posted in Fire Articles and tagged fire fire alarm 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/smoke-alarms-testing-is-not-enough/ (2016-04-24)
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  • The dangers of mirrors and jars |
    make up mirror but the fire didn t take hold This time rays from the sun coming in through a window went on to a make up mirror and were then refracted on to bedroom curtains which caught fire and the room was extensively damaged This follows reports earlier this year about a fire started by a glass jar A seven year old girl kept her collection of loom bands in the jar on a windowsill Rays from the sun shone on the top of the jar and were magnified on to a dolls house on the floor which burst into flames The property in Twickenham suffered 250 000 worth of damage and the family s pet dog was killed by the smoke According to the Evening Standard a local fire officer commented These sort of fires are not as rare as you think I ve seen everything from mirrors and Nutella jars to sparkly knobs and crystal balls starting fires The advice from the fire service is to keep mirrors and glass objects out of direct sunlight particularly early and late in the day when the sun is at its lowest and at a more dangerous angle And of course as always it s vital to have working smoke alarms in your home and to test them regularly Share this page This entry was posted in Fire Articles and tagged fire 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 Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles

    Original URL path: http://www.morganclark.co.uk/about-us/blog/the-dangers-of-mirrors-and-jars/ (2016-04-24)
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  • A new government: more delays for Flood Re? |
    completely clear just what is going to happen Once the dust has settled it will then only be a few weeks before the new Flood Re agreement for affordable flood insurance is due to become law This is meant to happen in July but there have been reports in the last few days that a new government might delay the agreement or may even decide to carry out a complete review We have written many times over the last couple of years about Flood Re which is designed to ensure that flood insurance for people in high risk areas is not prohibitively expensive It s been a tortuous process so far and there have been so many hurdles and delays along the way Even in the last few weeks there have been some last minute issues in particular we ve seen lobbying from interested parties around some of the groups or properties which will be excluded from the scheme No agreement of this type will ever be perfect and not everyone will be happy with the final outcome but this uncertainty needs to end We wait with bated breath Share this page This entry was posted in Flood Articles Flood Re Latest News And Developments and tagged flood Flood Re flooding home buildings 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 Fire

    Original URL path: http://www.morganclark.co.uk/about-us/blog/a-new-government-more-delays-for-flood-re/ (2016-04-24)
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  • Insurance and social media |
    insurance industry is starting to take notice Last week the Financial Ombudsman issued a warning that insurance against burglary could be jeopardised if details of holidays are on Facebook Twitter and similar We ve all seen them smug photos in the airport departure lounge or shots of blue sea and endless beaches taken from loungers and apparently insurers are now checking claimants social media accounts to see if they made it obvious they were away at the time a burglary took place Most insurance policies have a clause which states that reasonable care must be taken to protect property So we do things like cancelling newspapers or leaving a light on a timer or asking a neighbour to keep an eye on our house But then some people completely undermine this by publishing news or photos which tell the world they re away for the next two weeks According to the Association of British Insurers no claim has yet been turned down on this basis in the UK but apparently it s happening in the US And as we said recently about drones what happens in the States often appears here soon after So you have been warned Share this page This entry was posted in Home Insurance News and tagged insurance claim social media 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/insurance-and-social-media/ (2016-04-24)
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  • Compulsory smoke alarms in the rented sector |
    But there has now been some news on this score from October landlords will be required by law to install working smoke and carbon monoxide alarms in their properties According to the Department for Communities and Local Government over 90 per cent of homes now have a smoke alarm and the vast majority of landlords provide one This change in the law however will ensure every tenant can be given this important protection These days so many people rent rather than buy properties and this move is designed to help prevent up to 26 deaths and 670 injuries a year And people are at least four times more likely to die in a fire in the home if there s no working smoke alarm The new law will require landlords to install smoke alarms on every floor of their property and test them at the start of each tenancy They will also have to install carbon monoxide alarms in high risk rooms such as those where a solid fuel heating system is installed Failure to do this would lead to sanctions and they could face up to a 5 000 fine It s a very good move Share this page This entry was posted in Fire Articles and tagged 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 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/compulsory-smoke-alarms-in-the-rented-sector/ (2016-04-24)
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  • Is it a bird? Is it a plane? |
    concerned where the States leads we re usually not far behind So beware the insurance drones are coming There was a lot in the news recently about Amazon being given the go ahead to use drones for deliveries in the US Now the Federal Aviation Authority has given approval for some insurers to start using drones instead of humans for inspecting dangerous damage It s believed that these unmanned aerial vehicles will be used to inspect sites assess and manage risks and loss controls for US customers They are going to be particularly targeted on assessing damage in catastrophe areas or hard to reach locations such as the roofs of commercial buildings They re not going to suddenly appear out of nowhere though or at least not yet They still need to be operated by human drivers via remote control and remain within the operator s sight The publicity is promising that this will lead to high resolution images of damage which will in turn expedite the settling of claims Loss assessing always was a high flying career Share this page This entry was posted in Insurance Articles and tagged buildings insurance commercial insurance home buildings 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 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/is-it-a-bird-is-it-a-plane/ (2016-04-24)
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  • Flood Re: it’s not settled yet |
    about Flood Re moving one step closer to becoming law when its secondary legislation was laid before Parliament But it seems there are still some problems ahead A coalition of interested parties has now written to the government asking them to delay laying down the final regulations of the scheme which is designed to provide affordable flood insurance Their fear is that some homeowners will be facing rocketing insurance premiums according to Post magazine Flood Re is meant to protect homeowners from high premiums but in its current form it will not cover all private rented sector properties and some leasehold properties This group which includes the British Property Federation Residential Landlords Association Leasehold Knowledge Partnership and Association of Residential Managing Agents has asked the government to withdraw the regulations until research is finished on how these excluded groups will be affected Of course nothing much will happen in the next few weeks as we approach the election but it s still possible that the whole scheme will come crashing down before its current go live date of July Share this page This entry was posted in Flood Articles Flood Re Latest News And Developments and tagged buildings insurance flood Flood Re household insurance insurance claim landlords 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/flood-re-its-not-settled-yet/ (2016-04-24)
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  • Riot Bill: the latest |
    2011 The initial proposals however were widely criticised because they placed a limit of 2 million turnover for businesses making a claim against the police if they suffered damage during a riot Earlier this month the Home Office published its response to the consultation on the reform of the Act The key change to the proposals is that there would now be a 1 million per claim limit for riot claims while there would no longer be a limit on the size of company which could claim The major aspects of the proposal include allowing higher value settlements by providing new for old replacements for destroyed or damaged goods introducing a cap on the amount of money that can be paid out in any single claim thereby reducing the burden on the taxpayer increasing the time limit in which people can make claims applications allowing people to submit claims electronically thereby speeding up and simplifying the process providing limited cover for motor vehicles for the first time However there is still concern over the fact that police and crime commissioners will decide if a disturbance is officially a riot as they are also liable for the cost of damage The Association of British Insurers and the British Insurance Brokers Association have both said that this constitutes a significant conflict of interest We ll keep you posted on any developments Share this page This entry was posted in Insurance Articles and tagged business insurance business interruption commercial insurance insurance claim 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/riot-bill-the-latest/ (2016-04-24)
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web-archive-uk.com, 2017-12-15