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  • The big Christmas business closedown |
    to business premises So here are a few timely warnings Businesses can suffer burst pipes too And these can cause terrible damage leading to loss of stock computers machinery printed records furniture the list goes on Water UK which represents all the country s water companies has produced a very useful leaflet about how to avoid burst pipes you can find it here Flooding can strike at any time According to the National Flood Forum too many business owners underestimate the risk posed by flooding and don t check if their area is regularly affected They advise all business owners to verify whether their building is in an at risk area by visiting the Environment Agency website and to ensure that their insurance offers full cover for flooding Thieves love Christmas It will be quite obvious that your business is shut down no cars no lights no people coming and going So review your alarms and other security arrangements and make sure your vulnerable doors and windows are firmly secured If you re a landlord then remember that your tenants business or domestic might be leaving the property unoccupied over Christmas Make sure they know how to turn off the water The National Landlords Association has issued the following guidance Ensure all pipes are adequately insulated Check overflow pipes are correctly connected and not blocked Advise tenants to leave the heating on a low setting if the property is vacated for any period during the winter Give the tenant an emergency contact phone number Enjoy the seasonal break Share this page This entry was posted in Burst Pipe Articles Business Insurance News Fire Articles Flood Articles Insurance Articles Loss Assessors Theft Articles and tagged burglar burst pipes flood weather Back to the blog archive Request a call back Please leave

    Original URL path: http://www.morganclark.co.uk/about-us/blog/the-big-christmas-business-closedown/ (2016-04-24)
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  • Burst Pipe Articles | Morgan Clark
    date but it could still happen so make it difficult for anyone to break in We deal with so many claims for fires caused by kitchen appliances So stop using the dishwasher washing machine or tumble drier while you re asleep Set a regular time for testing you smoke alarm If you haven t got one then install one We re only half way through winter and there is still plenty of bad weather to come So don t delay those long delayed repairs to your fences again and clear out your gutters this could reap huge rewards if a storm hits Make backing up your computer files a regular thing this year decide to do it once a week or once a month but keep to it You d regret it if your computer was stolen or if it crashed and the data and photos on it were unrecoverable Check your pipes and replace any lagging that s got worn or loose It s never too late so make this a regular January action And finally call the chimney sweep Chimney fires can be catastrophic it s another common cause of the fire claims we have to deal with All of us at Morgan Clark wish you all the very best for a safe and secure 2013 The big Christmas business closedown Post by Morgan Clark December 22 2012 I can remember the days when everyone went back to work on the 27 th December But now many businesses take an extended winter break between Christmas and New Year While this means some of us can really enjoy the festive season it also means that many commercial premises will be left unoccupied for an extended period At Morgan Clark we ve often found that while clients may have been diligent in protecting their homes while they re away they don t pay the same attention to business premises So here are a few timely warnings Businesses can suffer burst pipes too And these can cause terrible damage leading to loss of stock computers machinery printed records furniture the list goes on Water UK which represents all the country s water companies has produced a very useful leaflet about how to avoid burst pipes you can find it here Flooding can strike at any time According to the National Flood Forum too many business owners underestimate the risk posed by flooding and don t check if their area is regularly affected They advise all business owners to verify whether their building is in an at risk area by visiting the Environment Agency website and to ensure that their insurance offers full cover for flooding Thieves love Christmas It will be quite obvious that your business is shut down no cars no lights no people coming and going So review your alarms and other security arrangements and make sure your vulnerable doors and windows are firmly secured If you re a landlord then remember that your tenants business or domestic might

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/burst-pipes/#wpcf7-f1054-o1 (2016-04-24)
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  • Changes likely for riot laws |
    around the subject were announced in the Queen Speech The Riot Damages Act dates from 1886 It states that if any building or property within has been damaged stolen or destroyed by any persons riotously and tumultuously assembled together then there can be a claim for compensation made against the police authorities It was based on the ancient belief the entire community has an obligation to prevent riots and if a riot does take place then the police authority is liable for the damage as it is presumed to have resulted from defective policing But many feel this is an anachronism and there is now a move to update the Act This was brought into sharp focus by a recent appeal court decision which ruled that the Mayor of London should meet the 75m compensation claims of Sony which lost a warehouse to fire during the riots It found that business interruption losses as well as those from physical damage were recoverable The proposals in the Queen s Speech include a cap on the amount large businesses and insurers can recover It also suggests creating a Riot Claims Bureau to ensure a more cohesive response in the future We shall keep an eye out for any updates Share this page This entry was posted in Business Insurance News and tagged buildings insurance business insurance business interruption commercial 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/changes-likely-for-riot-laws/ (2016-04-24)
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  • Business Insurance News | Morgan Clark
    s very good that the Government is proposing a law to clamp down on these unreasonable delays The Enterprise Bill which went through its first reading in the Commons last week will place a contractual requirement on insurers to pay claims to businesses within a reasonable time Insurers would have to pay damages to the policyholder if additional losses have occurred because of this unreasonable delay The Bill is now before the House of Lords and will receive its second reading in the Commons in October Comprising a wide range of measures to support small businesses the section on insurance aims to Introduce into every contract of insurance a requirement on the insurer to pay sums due within a reasonable time Ensure that the law incentivises insurers to pay within a reasonable time and to promote payments within a reasonable time Give policyholders a legal right to enforce prompt payment of insurance claims Provide for limited compensation to be payable by an insurer where a policyholder suffers additional loss because of the insurer s unreasonable delay in payment Making a commercial insurance claim is complicated enough without unreasonable delays making it even worse So we support anything which can help this process but we would always advise firms to get expert help with their claim from a loss assessor This can make all the difference to whether or not they receive their full entitlement and ensure that their business survives New riots bill on the agenda Post by Phil Morgan August 6 2015 It s hard to believe that it s nearly four years since the terrible riots of August 2011 and it s a year since we wrote about proposals to amend the 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 Insurers are failing small businesses Post by Tony Clark June 5 2015 We know from our

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/business-insurance-news/#wpcf7-f1054-o1 (2016-04-24)
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  • Escape Of Water Articles | Morgan Clark
    planning to go away for a winter break leaving the house vulnerable 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 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/escape-of-water/#wpcf7-f1054-o1 (2016-04-24)
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  • The dangers of wood-burning stoves |
    sign of a fire but he immediately got the family out of the house He then went upstairs and could hear a whooshing noise in the roof but nothing else He left the house and then saw smoke coming from the roof shortly followed by flames The house was almost completely destroyed The fire was caused by the fact that there wasn t sufficient gap between the flue from one of the wood burners and the adjacent timber floor Although this had been fine with the old open fires it proved disastrous with the wood burner as the temperatures involved are so much higher This was sufficient to cause the timbers to ignite Ensure compliance with Building Regulations The key point for anyone installing wood burners is that their existing chimneys may be inappropriate and may need to be upgraded Wood burning stoves should always be fitted to the manufacturer s specification by qualified HETAS engineers and should comply fully with Building Regulations which include strict guidance on the gap which should be left around the flue Not only is it dangerous to do otherwise it could also invalidate your insurance cover We all have a duty under the terms of our home insurance to take all reasonable precautions to safeguard against loss or damage We have seen claims declined where fires emanated from wood burners which were fitted by homeowners and not in accordance with regulations and the insurer can take the view that this is reckless and unreasonably increases the risk of a fire The problem is potentially even greater for thatch owners and we will go into more detail about this in a future blog Share this page This entry was posted in Fire Articles and tagged buildings insurance chimneys fire fire damage fire safety home buildings

    Original URL path: http://www.morganclark.co.uk/about-us/blog/the-dangers-of-wood-burning-stoves/ (2016-04-24)
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  • Cheese on toast warning |
    unattended dishwashers washing machines or tumble driers But we ve never seen anything like this before The London Fire Brigade has had to issue safety warnings after someone started a fire by using their toaster to make cheese on toast Apparently the Londoner put the toaster on its side on a worktop slid the cheese and bread into it turned it on and soon after the whole thing caught fire Luckily the incident was dealt with quickly and the only damage was to the toaster and the work surface According to a spokesperson Toasters are not designed to be put on their side and used to grill cheese on toast Not only does it generate heat on to the work surface but the dry left over crumbs from the bottom of the toaster can get on to the hot elements and ignite I never thought I d have to give this advice as it s painfully obvious but if you want cheese on toast use a grill not a toaster Wise words indeed and let s hope this is a very rare occurrence But other electrical fires are all too common so we would like to reiterate our advice that you should never leave an appliance running when you leave the house or retire for the night Share this page This entry was posted in Home Insurance News and tagged accidental damage electrical safety fire fire damage fire safety 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/cheese-on-toast-warning/ (2016-04-24)
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  • Fire Articles | Morgan Clark
    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 Hoverboards and safety fears Post by Morgan Clark January 29 2016 Hoverboards have hit the headlines over the past few months because of safety concerns I confess I ve never seen Back to the Future 2 or any of the others but I understand hoverboards were predicted in this for 2015 and that prediction has come true but with terrible consequences Last 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 Hike in insurance costs for wood burners Post by Morgan Clark January 8 2016 We wrote a while ago about the dangers of wood burning stoves if they aren t properly installed and maintained Now there s news that insurers are increasing insurance premiums for homes which are using them instead of open fires Wood burners are becoming more and more popular because they provide an attractive and 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/fire-2/#wpcf7-f1054-o1 (2016-04-24)
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