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  • Insurance Articles | Morgan Clark
    later and so lots of people have spent days trying to be Andy Murray and bashing a tennis ball around But the research has also thrown up some interesting traits among us Brits it seems we re a nation which likes to be economical with the truth More than half of us 56 per cent don t admit responsibility if we break something around the house and half of these try to hide it by repairing the item Nearly as many would buy a replacement without telling anyone And here s the biggest shocker Women are more likely to hide items and not tell anyone than men just under a third of women do this compared with one in six men And women are also more likely to shift the blame to someone else I m off to buy some more super glue Is it a bird Is it a plane Post by Morgan Clark April 17 2015 As far as technology is 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 Riot Bill the latest Post by Tony Clark April 3 2015 There s some news on the draft Riot Compensation Bill which we last wrote about back in September 2014 It seems that the government has responded to criticisms that its previous proposals would have excluded all but the smallest businesses from this safety net The current legislation dates from 1886 and was shown to be completely outdated following the riots of the summer of 2011 The initial proposals however were widely criticised because they placed a limit of 2 million turnover for businesses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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/insurance-2/#wpcf7-f1054-o1 (2016-04-24)
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  • Landlords’ claims can be difficult – even with the right insurance |
    on a conventional home insurance policy But even then a claim can be very difficult We have worked on behalf of many landlords when they ve needed to make an insurance claim and although they had appropriate cover they still faced significant challenges Two recent examples illustrate just how difficult it can be The first involved a couple who had re located to the US and rented out their home in West Sussex When fire swept through it their insurer refused to accept liability primarily because it decided the couple hadn t met statutory requirements over electrical equipment But the couple knew they had and fighting this from a distance was just impossible for them We took the case over and won the couple their rightful settlement The case was so extraordinary that it was covered in The Observer The second example involved a couple in Surrey who had let out a relative s house after she had died This was also hit by fire and they faced a significant insurance claim for both the damage and for loss of rental And then the tenants started to make unreasonable claims as well The couple felt it was just too much for them to handle So they brought us in to take it over and we successfully negotiated a full settlement for the buildings claim landlord s contents and lost income as well as ensuring the tenants spurious demands were not met You can read more about this here So despite the difficulties both of these cases had happy endings Share this page This entry was posted in Landlords Articles and tagged insurance claim landlords landlords 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/landlords-claims-can-be-difficult-even-with-the-right-insurance/ (2016-04-24)
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  • fire in three-bedroomed rented house – £92,000 buildings claim plus landlord’s contents and loss of income |
    liaising with the insurance company and proving we had met our requirements as landlords The following morning the loss adjuster arrived and discussed the claim with the couple and Morgan Clark s loss assessor This was a long and complicated discussion and at the end of it the loss adjuster commented I am very glad you are in Morgan Clark s hands The claim Morgan Clark handled the entire claims process including arranging for emergency works to put in a temporary staircase and board up windows and doors They brought in chartered surveyors and specialist contractors to reinstate the house As part of the reinstatement specification the surveyor suggested a slight change to the internal layout of the house including knocking through from the kitchen to the dining room According to Mr B using Morgan Clark made dealing with the loss adjuster very easy And having Morgan Clark the surveyor and the contractors working as a team ensured it went very smoothly But in addition there were some very difficult situations with our tenants who tried to get money out of us or the insurer Sara Bailey from Morgan Clark dealt with them admirably The results Morgan Clark negotiated a full buildings claim of 92 000 plus 5 000 landlord s contents They also negotiated cover for loss of rental payments from the date of the fire until handover at completion of the reinstatement Mr B was delighted that he decided to use Morgan Clark From our point of view it was painless We could put it to one side knowing it was in the hands of Morgan Clark They lifted the entire burden of managing the process I would recommend them absolutely particularly in the early stages when you need someone who knows the ropes It was essential for

    Original URL path: http://www.morganclark.co.uk/customer-stories/residential-fire/fire-in-three-bedroomed-rented-house-92000-buildings-claim-plus-landlords-contents-and-loss-of-income/ (2016-04-24)
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  • New safety scheme for landlords |
    was good to read about a new scheme launched with the support of the Chief Fire Officers Association in conjunction with the UK s fire and rescue services The Blue Watch scheme is specifically aimed at helping landlords letting agents and tenants make their properties safer from the risks of fire and carbon monoxide The website for the scheme www Bluewatch co uk is full of really helpful advice for making homes safer as well as giving guidance for landlords on their safety responsibilities Blue Watch validation scheme As part of this Blue Watch is launching a validation scheme which will comprise a trusted fire safety expert visiting a property to assess its safety If the property passes the inspection the landlord will be able to display proof that all the correct safety products and procedures are in place It s hoped that eventually the Blue Watch symbol will be a key criterion for tenants when they choose a property to rent We ve worked with many landlords over the years who have discharged their responsibilities fully but have been hit by unforeseen accidents We really welcome this initiative and hope it will improve the safety record of the rental sector Share this page This entry was posted in Landlords Articles and tagged electrical safety fire fire alarm fire damage 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/new-safety-scheme-for-landlords/ (2016-04-24)
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  • Landlords Articles | Morgan Clark
    Morgan Clark June 19 2015 We ve all heard about Generation Rent unlike previous generations many young people these days are finding it impossible to get on the property ladder and so are forced to rent for years instead Of course this means there has also been a rise in the number of private landlords and recent relaxations in what people can do with their pension pots could encourage the market even further The most recent figures suggest that one in five homes is now owned by a private landlord but more staggering is that this is predicted to rise to one in three by 2032 We ve seen this for ourselves through an ever growing number of landlords who turn to us when they need to make an insurance claim In most cases they have the right insurance but even if they do their claims can be very complicated All too often however they don t have appropriate cover or are under insured which can create significant challenges over settling their claim We ve written about this before So our advice as always is for landlords to ensure they have suitable cover There is specialist insurance available which includes things such as tenants defaulting on their rent landlord s liability in case a tenant or visitor suffers injury or damage and of course appropriate buildings and contents insurance Here are two good summaries of the reasons you need specialist insurance and exactly what should be covered one on Thisismoney co uk and the other on simplybusiness co uk Landlords claims can be difficult even with the right insurance Post by Phil Morgan October 10 2014 The property rental market is huge these days With such high rents being charged more and more people are tempted into becoming landlords But we know from experience that it can be very stressful if something goes wrong Recent figures from the National Landlords Association show that almost 10 per cent of landlords had to make an insurance claim in the last year They advise landlords to have the right insurance in place they shouldn t just rely on a conventional home insurance policy But even then a claim can be very difficult We have worked on behalf of many landlords when they ve needed to make an insurance claim and although they had appropriate cover they still faced significant challenges Two recent examples illustrate just how difficult it can be The first involved a couple who had re located to the US and rented out their home in West Sussex When fire swept through it their insurer refused to accept liability primarily because it decided the couple hadn t met statutory requirements over electrical equipment But the couple knew they had and fighting this from a distance was just impossible for them We took the case over and won the couple their rightful settlement The case was so extraordinary that it was covered in The Observer The second example involved a couple in

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/landlords/#wpcf7-f1054-o1 (2016-04-24)
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  • Managing claims in difficult circumstances |
    tragic circumstances One which comes to mind happened in Manchester a couple of years ago Mr Smith had recently had a new gas boiler fitted and one morning when he lit a ring on the cooker there was a massive explosion He was thrown against the kitchen wall and the house was engulfed in flames Although he was rescued alive his injuries were life threatening and he spent the next six months in hospital but against all the odds he came through it all Mr Smith s brother George took on the insurance claim but felt that he simply didn t have the experience to handle it himself so he turned to us The house had to be completely rebuilt but what George wanted more than anything was for all the reinstatement work to be completed by the time his brother left hospital Thrilled to bits And this is exactly what happened Mr Smith was taken straight to his rebuilt home from the hospital and was incredibly moved by what was in many ways a brand new house When we spoke to George he reported that his brother was thrilled to bits with the house Stories like this make what we do so worthwhile Share this page This entry was posted in Loss Assessors and tagged buildings insurance contents insurance fire fire damage 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/managing-claims-in-difficult-circumstances/ (2016-04-24)
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  • Loss adjusters and loss assessors: who pays? |
    claims process but their roles could not be more different So here s a brief summary of the difference between them including the answer to a question we are often asked regarding how each are paid Loss adjusters are employed and paid by your insurer Their role is to assess your losses and negotiate the settlement with you on behalf of the insurer They will decide what will be covered by your claim and what will not Loss assessors are independent and work on behalf of the policyholder negotiating with the loss adjuster and settling the claim A loss assessor s aim will always be to ensure the policyholder receives what they are entitled to Their fees are paid by the policyholder but only if there are any fees to be paid We wrote in a previous blog about the fact that in most cases our services are provided free of charge Many of the claims we handle involve the reinstatement of a property and if our clients decide to use our combined professional team of loss assessors and approved building contractors then we won t charge for handling the insurance claim Sometimes loss assessors are referred to as public loss adjusters So this can make it even more confusing If in doubt just ask the question who are you working for and who is paying you Share this page This entry was posted in Loss Assessors and tagged insurance insurance claim loss adjusters 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/loss-adjusters-and-loss-assessors-who-pays/ (2016-04-24)
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  • Loss assessors: how much do they cost? |
    to make their insurance claim also need the services of building contractors and if they decide to use our combined professional team of loss assessors and approved building contractors then we provide the service of making the insurance claim at no cost Our list of approved building contractors has been compiled over many years using stringent checks and measures to ensure the properties of our clients are restored to the highest standards and failure to meet our standards results in removal from our approved list All our approved contractors must also have Public Liability and Employers Liability insurance cover There s one important note we d say to anyone making an insurance claim the contractors and tradespeople you use to restore your property should be your choice As long as their quote is competitive insurance companies cannot insist you use their contractors Managing the claim from start to finish Our role is to manage the claim from initial inspection by one of our assessors through to final settlement The building contractor works directly for our client and then pays us a fee for managing all the suppliers involved But we recognise that some people would prefer to use their own building contractors In this case we would agree with them in advance a percentage of the claim which would then form our fee And if a client wants a cash settlement then we also agree the fees in advance So there s no catch Share this page This entry was posted in Loss Assessors and tagged 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/loss-assessors-how-much-do-they-cost/ (2016-04-24)
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