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  • Metal theft on the rise |
    of dedicated and time consuming fundraising According to a recent report though the problem is far wider Theft of metal from empty commercial properties in the UK has led to a 2500 per cent increase in this type of claim But the main problem isn t the loss of the metal itself it s the damage caused by thieves attempting to get access to it And this is something we ve come up against at Morgan Clark One recent example was a claim we handled for a landlord whose property was broken into The thieves weren t after conventional valuables they wanted the copper piping under the floorboards and in the ceilings The result was a heart breaking mess and the larger part of the claim was for malicious damage caused by searching for the pipework rather than for the pipes themselves It proved to be a complicated claim and you can read more about it here New legislation will help But there is some good news on the horizon A new Act The Scrap Metal Dealers Act 2013 has now received Royal Assent and is likely to come into force in the autumn This gives police powers to close unlicensed scrapyards creates a register of dealers and requires dealers to record the ID of all sellers of metal Let s hope that by making it more difficult to get rid of stolen items this will have the desired result of making metal theft less attractive Share this page This entry was posted in Theft Articles and tagged commercial insurance contents insurance insurance claim landlords theft 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/metal-theft-on-the-rise/ (2016-04-24)
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  • Beware of the geese |
    of 20 per cent in rural crime And it doesn t stop with geese farmers are protecting their livestock by housing aggressive beasts such as llamas alongside more docile animals Other imaginative security devices include fog machines designed to confuse intruders and retractable cattle grids to keep unwanted vehicles out Opportunistic crimes NFU Mutual also reports that rural crimes are more likely to be planned than opportunistic and that thefts are often repeated within weeks as criminals target replacement stock or farm equipment As geese or llamas are unlikely to know the difference between criminals and simple country lovers out for a walk then we need to watch out when we re on our next rural ramble Share this page This entry was posted in Theft Articles and tagged burglar rural crime 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/beware-of-the-geese/ (2016-04-24)
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  • Easter is here – and so are the holidays |
    online the fact that you re away And this is backed up by something I read recently apparently 78 per cent of burglars use Facebook and Twitter to target potentially empty properties And they re also using Google Earth and StreetView to plan the way they can break in So here s a useful list I found about how to make your property safer when you re away courtesy of a company called Fitted Home Alarms Try not to let the whole world know you are away from your home or working late or out for a night out It may not be bad idea to wait till you get home before posting photos or pointing out your current location Avoid adding random people to your friend list only add real friends Facebook acknowledged in 2012 that about 8 7 per cent or 83 million profiles on Facebook are fake You should consider creating a close group where only your close friends get updates of your whereabouts Set privacy settings correctly so only your friends can see your status updates Avoid public status updates that show your home address or as a location in map Avoid posting photos that reveal the whereabouts of your home or landmarks near home Avoid posting photos of expensive items at your home But most of all enjoy your holiday Share this page This entry was posted in Theft Articles and tagged burglar Facebook social media Twitter 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/easter-is-here-and-so-are-the-holidays/ (2016-04-24)
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  • A ratty problem: it’s never dull managing insurance claims |
    equipment caused when he played the wrong sort of music and one clubber took exception Sometimes an unusual claim is genuine As loss assessors we sometimes get approached by people who want to make to put it mildly somewhat spurious claims like these and we wouldn t take them on But occasionally an unusual claim happens which is genuine One of the more unusual ones that comes to mind happened a few years ago in Liverpool A modern warehouse housed a significant store of tic beans on the floor with a few thousand filled hessian sacks on shelves above It was only visited fortnightly and between visits thieves gained entrance by making a hole in the base of a door When an employee next visited he found that nothing had been stolen but the warehouse was absolutely swarming with rats who had come in through the hole They were having a lovely time eating into most of the sacks and working their way through the tic beans Not a pleasant sight The insurance company initially declined the claim as nothing had been stolen and argued that the rats must have been there before the break in They cited an exclusion of damage by vermin in the policy which would also exclude any damage caused to stock Proving the case However there had been no previous record of rodents in this modern warehouse After considerable negotiations the insurer was persuaded that the proximate cause of the theft in other words the initial event which had triggered the loss was indeed theft and that therefore the exclusion about rodents should not apply All stock with any sign of damage was deemed to be written off and the cost of importing replacement beans was covered as was the horrific task of getting rid

    Original URL path: http://www.morganclark.co.uk/about-us/blog/a-ratty-problem-its-never-dull-managing-insurance-claims/ (2016-04-24)
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  • Theft Articles | Morgan Clark
    weren t after conventional valuables they wanted the copper piping under the floorboards and in the ceilings The result was a heart breaking mess and the larger part of the claim was for malicious damage caused by searching for the pipework rather than for the pipes themselves It proved to be a complicated claim and you can read more about it here New legislation will help But there is some good news on the horizon A new Act The Scrap Metal Dealers Act 2013 has now received Royal Assent and is likely to come into force in the autumn This gives police powers to close unlicensed scrapyards creates a register of dealers and requires dealers to record the ID of all sellers of metal Let s hope that by making it more difficult to get rid of stolen items this will have the desired result of making metal theft less attractive Easter is here and so are the holidays Post by Morgan Clark March 27 2013 It may be hard to believe amid the snow and ice but we re in the middle of spring and our minds are turning to summer holidays So once again we d like to send out a warning We ve written before about the dangers of mentioning online the fact that you re away And this is backed up by something I read recently apparently 78 per cent of burglars use Facebook and Twitter to target potentially empty properties And they re also using Google Earth and StreetView to plan the way they can break in So here s a useful list I found about how to make your property safer when you re away courtesy of a company called Fitted Home Alarms Try not to let the whole world know you are away from your home or working late or out for a night out It may not be bad idea to wait till you get home before posting photos or pointing out your current location Avoid adding random people to your friend list only add real friends Facebook acknowledged in 2012 that about 8 7 per cent or 83 million profiles on Facebook are fake You should consider creating a close group where only your close friends get updates of your whereabouts Set privacy settings correctly so only your friends can see your status updates Avoid public status updates that show your home address or as a location in map Avoid posting photos that reveal the whereabouts of your home or landmarks near home Avoid posting photos of expensive items at your home But most of all enjoy your holiday A ratty problem it s never dull managing insurance claims Post by Morgan Clark January 25 2013 In a blog here just before Christmas I mentioned a bizarre seasonal insurance claim footprints across a carpet left by a squirrel But apparently it s not just householders who make extraordinary claims businesses do as well An article in Management Today listed some of

    Original URL path: http://www.morganclark.co.uk/about-us/blog/category/theft-2/#wpcf7-f1054-o1 (2016-04-24)
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  • April, 2016 |
    incorrect levels of cover and non disclosure of material facts It s worth reading this in full but to summarise Wear and tear your policy will probably state that your property has to be kept in good condition and be well maintained So for example if you claim for damage following a burst pipe the insurer may claim that the pipe wasn t kept in good condition and this was the reason for it splitting rather than the weather Other examples are if roofs are damaged by a storm but they haven t been well maintained or if there s water damage originating from the bathroom but the grouting of the bathroom tiles was not in good condition Incorrect levels of cover this is all about ensuring that the amount you are covered for really does cover the rebuilding costs of your property or the value of your possessions What s important is to review this regularly to ensure your cover reflects current day values Non disclosure of material facts if you haven t told the truth then your claim is likely to be rejected Common falsehoods include not disclosing previous claims or that you ve had a County Court Judgement made against you But it may also be rejected if you make honest mistakes for example not having the required locks or stating you have a burglar alarm but never turning it on As a professional loss assessor we see these types of problems all the time Sometimes there is nothing we can do but often we successfully overturn the insurer s decision Our customer stories include examples of where we have achieved this and show how important it is to have professional representation when entering the extremely complicated area of insurance law Flood Re it s here Post by Tony Clark April 8 2016 So it s finally happened Flood Re has gone live It s taken four years to get to this stage and there have been times when it looked as if agreement would never be reached But it s here affordable flood insurance is now available for the vast majority of the population Flood Re operates by charging a small amount extra on all our buildings insurance which will be on average 10 50 This is then used to create a fund which will be available to insurers should flooding strike So people in high risk areas will no longer either have to pay huge insurance bills or be denied insurance cover altogether And the excess on their policies will also be capped at 250 There are still exceptions however most notably businesses rented properties and homes built since 2009 This has led to many objections to Flood Re and these rumble on Indeed only last week we reported that there are rumours of a Flood Re 2 to cover excluded properties in particular those in the private rental sector But whatever the issues around Flood Re it is fantastic news that it s now

    Original URL path: http://www.morganclark.co.uk/about-us/blog/2016/04/#wpcf7-f1054-o1 (2016-04-24)
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  • March, 2016 |
    think The Department for Communities and Local Government has published an excellent guide entitled Fire Safety in the Home which gives very useful advice on electrical appliance safety and how to prevent a house fire This includes Always use the right fuse to prevent overheating Make sure your appliances have a British or European safety mark Many household appliances should have a single socket to themselves as they are high powered Keep one plug to a socket if possible Follow manufacturer s instructions when charging electrical goods and look for a CE mark Look for signs of dangerous or loose wiring scorch marks hot plugs or sockets fuses which blow or circuit breakers which trip for no reason or flickering lights Replace old cables and leads Unplug appliances when not in use The leaflet also gives advice on cooking safety safe use of candles and other fire hazards As always remember to have at least one smoke alarm and remember to test it weekly It s no use at all if it s not working And most importantly don t run your appliances over night or when you go out Scheme coming to compare insurance products Post by Morgan Clark March 11 2016 There was news recently that around one in five home insurance claims are unsuccessful The most common reason for this is the complexity of policies and this is a key factor for people turning to us when they need help with their insurance claim It is often just too difficult for policyholders to understand the finer details of their insurance cover which is why professional help from a loss assessor can make all the difference This is in stark contrast to car and travel insurance which are far simpler products and therefore have much higher success rates and therefore less need for expert help But it s also difficult for consumers to find the right product at the right price in the first place So it was good to read last week that the Financial Conduct Authority is launching a pilot scheme to help consumers compare insurance firms We wrote about the possibility of this last year it was proposed because a study showed that many of us are over paying for our insurance The pilot scheme which starts in the summer will compare insurance firms based on a scorecard system showing how often people are likely to make a claim on a product how likely the claims are to be accepted and the average payout Data will be published at the beginning and the end of the pilot which is going to last for 12 months It s not clear yet exactly which products are going to be included in this initial phase But if it s successful it will be rolled out more widely which will mean that we ll all be able to shop around for home car and travel insurance based on solid claims data The dangers of tumble dryers Post by Morgan

    Original URL path: http://www.morganclark.co.uk/about-us/blog/2016/03/#wpcf7-f1054-o1 (2016-04-24)
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  • February, 2016 |
    elderly lady whose house backs on to the river in Cockermouth In 2009 she started an insurance claim herself but soon realised how difficult it would be so she turned to Morgan Clark and she is using us again in 2016 She told us When I met Morgan Clark I felt I would have someone on my side who would do the best for me and my children The insurers took more notice of them than if I d been on my own and it was all much quicker than for my neighbours who handled things themselves So once again I m just going to let them do everything You can read her full story here Parliament debates business flood insurance Post by Tony Clark February 12 2016 One sign that Flood Re is nearly with us is that there is now an official website This explains in detail this new scheme for affordable flood insurance which will start in April It s been a long time coming but according to many it s still a long way from perfect The most common objection to the scheme is that it excludes cover for businesses This has risen to the top of the agenda during the recent floods in the north of the country as they have hit businesses particularly badly By coincidence there was an Adjournment Debate last Monday in the House of Commons entitled Availability of flood insurance for businesses The debate was tabled by Craig Whittaker MP for Calder Valley where many businesses were badly affected by flooding in 2012 and were then unable to afford the flood element of their insurance Some of these have been hit again by the recent floods and several have now folded Mr Whittaker focused among other things on how vital these businesses are to the very existence of the communities affected The response from Rory Stewart Under Secretary of State for Environment Food and Rural Affairs offered some explanation for the exclusion of businesses from Flood Re In a nutshell having a commercial version of the scheme is seen as unworkable because of the complexity of business insurance It s not as simple as residential insurance which is primarily for just two types of cover buildings and contents Some businesses particularly in the service sector may not need for example high levels of business interruption insurance they can move and set up elsewhere quite quickly Others with high levels of stock or equipment or if they re location dependent need far higher levels of cover and face far longer before they can resume trading So there is a huge challenge in working out how much each type of business should contribute to such a scheme But the Minister ended on a positive note flagging the fact that there is a roundtable this week which will bring together various insurance industry bodies and representatives of small business to look at the issues involved His final words were encouraging We will through the

    Original URL path: http://www.morganclark.co.uk/about-us/blog/2016/02/#wpcf7-f1054-o1 (2016-04-24)
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web-archive-uk.com, 2017-12-17