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  • January, 2016 |
    hit some of these businesses are likely to suffer the storms will almost certainly deter visitors hitting revenue from tourism which is a vital part of the local economy in some of these areas Advice to businesses includes increasing their resilience against floods which may in turn reduce their insurance premium for example by putting up flood barriers having access to pumps using alternatives to carpets having sockets high on walls and using waterproof plaster But all of this is likely to add further fuel to the demand for Flood Re to be extended to cover small businesses Flood Re too late for recent victims Post by Tony Clark January 15 2016 It s been a little frustrating over the last few weeks to hear on the radio or TV time and again discussions over Flood Re This is something we ve been writing about for the last four years but it has received very little headline coverage in the national media until now And the key reason it s suddenly being talked about is that because it s taken such a long time to implement there are now people hit by the recent floods who are not covered by insurance The Daily Mail wrote recently about flood victims who hadn t been able to afford insurance or were refused it completely because they live in flood risk areas They cited one householder whose annual insurance premium rose from 375 to 3000 and another which rose from 100 to 5000 Both decided not to pay these huge hikes and were left uncovered and now they face a huge personal bill for reinstating their homes Flood Re is the result of four years of negotiations between the government and insurers This was prompted by the ending of the previous agreement through which insurers provided flood insurance for high risk properties in return for extra state investment in flood defences The agreement ran out in 2009 and since then there s been a tortuous and extremely lengthy process to reach a new deal It looked at one point as if it would be implemented last year but after numerous delays it finally goes live this April For many this is too late And even when it s implemented Flood Re isn t comprehensive in its scope In particular it doesn t cover businesses and the recent flooding in the north of the country has hit a huge number of small businesses When asked about this a spokesman from the Association of British Insurers was quoted in the Guardian recently as saying We have not been presented with any evidence of large scale problems in the commercial sector Most businesses should be able to arrange competitively priced flood insurance through a broker But there have been numerous examples of businesses hit by the floods who face a significant financial impact with accountants KPMG saying that many businesses will have insufficient insurance to cover the damages SME Insider There are now even more calls

    Original URL path: http://www.morganclark.co.uk/about-us/blog/2016/01/#wpcf7-f1054-o1 (2016-04-24)
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  • computer server damage – £15,000 for data recovery and system replacement |
    records Despite this Hicksville had always ensured there was a separate back up but coincidentally this had stopped working Managing Director Rennie Mitchell realised he faced a very difficult insurance claim and therefore appointed Morgan Clark to handle it on the company s behalf The claim The priority was to restore the data quickly without this the business would not survive Hicksville found a specialist company in Wales which was able to recover the lost data from the server within a few days The cost for this was 13 000 Cheaper alternatives existed but would have taken longer leading to additional loss of income and new business opportunities and jeopardising the future of the business However the insurer initially refused to cover the cost of restoring the data because of the lack of back up Morgan Clark put forward a number of counter arguments over the use of the RAID system but in particular demonstrated that if Hicksville put in an alternative claim for business interruption this would result in a far higher settlement The result After protracted negotiations Morgan Clark achieved the settlement Hicksville wanted The insurer agreed to pay 10 000 towards data recovery the maximum cover available plus the cost of a new server which amounted to 5 000 More importantly there was only a short interruption to the company s trading and they were able to survive this potential catastrophe Do you need help with your claim Call free on 01978228646 for a free consultation Call 03334142749 from mobiles Lines open 24 7 Using Morgan Clark a second time for flood insurance claim Flood insurance claim in 2009 and again in 2015 Fire in three bedroomed rented house 92 000 buildings claim plus landlord s contents and loss of income Fire in semi detached house overcoming

    Original URL path: http://www.morganclark.co.uk/customer-stories/other-commercial-2/computer-server-damage-15000-for-data-recovery-and-system-replacement/#wpcf7-f1054-o1 (2016-04-24)
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  • major explosion – £1.8m business interruption claim |
    worked with the group to devise a strategy to get the business up and running again quickly In particular Morgan Clark s specialist business interruption consultants guided them through the options for re instating the business Morgan Clark explored different and imaginative ways to re structure operations temporarily so that they could resume trading In particular they devised a mix and match approach which would facilitate a more speedy resumption of trade Morgan Clark s specialists also worked with the group s management to calculate a realistic claim for loss of profits Prior to the disaster the group had gone through a rationalisation and restructuring programme which had caused a temporary fall in turnover Morgan Clark argued that this would have led to a subsequent upward trend The results With the help of Morgan Clark 1 8m was successfully claimed under the terms of its business interruption insurance covering The cost of relocating part of the UK operation into the group s former premises the rest elsewhere and the French distribution operation to a French logistics company Sufficient emergency funding to maintain cash flow and enable the group to continue trading during the indemnity period A favourable loss of profits settlement Morgan Clark successfully argued that turnover would have risen despite recent downward trends A substantial lump sum settlement after nine months for the balance of the one year indemnity period enabling a speedy return to full trading Do you need help with your claim Call free on 01978228646 for a free consultation Call 03334142749 from mobiles Lines open 24 7 Using Morgan Clark a second time for flood insurance claim Flood insurance claim in 2009 and again in 2015 Fire in three bedroomed rented house 92 000 buildings claim plus landlord s contents and loss of income Fire in

    Original URL path: http://www.morganclark.co.uk/customer-stories/other-commercial-2/major-explosion-1-8m-business-interruption-claim/#wpcf7-f1054-o1 (2016-04-24)
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  • Novel flood defence scheme |
    village of Witney in Oxfordshire which was badly flooded in 2007 The measures taken by the local council to protect the area in the future sounds such a great idea The council spent a mere 40 000 on this unusual scheme and it seems to be working The key element is that they are using local roads as a temporary river course at times of heavy rainfall A portion of wall has been taken out near the river and the levels of kerbs on various local roads have been made either higher or lower depending on their location When the water rises it comes through the hole in the wall and then runs down the roads flowing across lower kerbs and held in place by higher kerbs In this way it is diverted around the village and then re enters the water course further downstream Apparently the work only took three to four weeks to complete It s a fascinating scheme and apparently it s suitable for other locations across the country You can hear the full piece on the BBC website Today Programme February 1 st around 45 minutes into the programme Share this page This entry was posted in Flood Articles and tagged flood flooding 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 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/novel-flood-defence-scheme/#wpcf7-f1054-o1 (2016-04-24)
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  • Flood |
    there was good news and bad news in last week s budget for the insurance industry First the bad news insurance premium tax IPT is rising by 0 5 per cent to 10 per cent only a few months after a 3 5 per cent hike The good news is that this was less than the insurance industry feared but also that the proceeds from this latest rise will be added to government funds to improve flood defences in the most at risk areas of the country But some people in the insurance industry weren t happy particularly as every type of insurance will be hit even motor insurance In the home insurance market there are fears that yet another rise in IPT could put people off from taking out insurance and leave them exposed if something happens Meanwhile we are only a couple of weeks away from the launch of Flood Re which aims to provide affordable flood insurance for households across the country But according to reports in the press over the last few days there are still two issues hanging over its launch one around regulatory approval and the other around software for brokers Who knows whether it will actually go live in April we wait with bated breath and will of course report back Finally one of the key gripes about Flood Re is that is doesn t cover small businesses However the British Insurance Brokers Association announced last week that it is looking at launching sometime this year a scheme similar to Flood Re for small businesses That really is good news Cockermouth floods turning to Morgan Clark a second time Post by Morgan Clark February 19 2016 It s so sad that many of the victims of the recent flooding in the north have been through this terrible experience before Cockermouth in particular is going through its second serious flooding in six years We worked with many Cockermouth homeowners and businesses after the 2009 floods helping them with their insurance claims And while it s so disheartening to see them affected a second time it is also very reassuring that many of them have turned to us again This shows the big difference they felt we made by taking over their claim allowing them to get on with rebuilding their lives One example is an 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/tag/flood-2/#wpcf7-f1054-o1 (2016-04-24)
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  • Flood Defences |
    to a report on the BBC website Pickering s novel scheme catches rainfall in the hills above the village and various different measures have been designed to work together to achieve this aim The first is to use what are described as long low leaky dams which slow the flow of water off the hills while an upstream reservoir stores flood water In addition some land management measures have been taken 40 000 trees have been planted and heather moorland restored to act as a natural sponge When more than two inches of rain fell over 36 hours in December it seems that the scheme slowed river peak flow by almost 20 per cent and saved Pickering s museum and several homes According to a report just published by the Environment Agency EA half of the reduction in flood water at Christmas was due to the land management measures and the other half because of the flood storage scheme The EA has warned however that the scheme might not be so effective in extreme rainfall and there is still a need to use traditional flood defences in tandem with these more natural methods The terrible impact of the floods in the winter has triggered the Environment Food and Rural Affairs Parliamentary Select Committee to hold a future flood prevention inquiry Natural management methods are a key part of its investigations and the Pickering scheme shows just what can be done 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/tag/flood-defences/#wpcf7-f1054-o1 (2016-04-24)
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  • Sinkholes, rats and insurance claims |
    as this illustrate how you never know what s going to happen and how you can t prepare for the unexpected And these extraordinary events can then lead to a difficult insurance claim We ve seen all sorts of strange claims in our time and read about others which are just as bizarre We wrote some time ago about how stock in a warehouse of tic beans was completely destroyed by rats after burglars had made a hole in the base of a door Other examples include when a dog put his tail in a tray of paint and then proceeded to re decorate the entire room and contents and when a farmer was using a mobile phone as a torch to inspect the rear end of a cow and yes lost it in an unfortunate place In all cases the claimants received a full insurance pay out because although these events were unusual they were genuine We help clients with unusual insurance claims although the majority claims we manage are more predictable But that doesn t necessarily make the process any easier People come to us for all sorts of reasons but most commonly because it s just too difficult for them to manage the claim by themselves However we are always ready for the unexpected and unusual claim as long as they are genuine Share this page This entry was posted in Insurance Articles and tagged accidental damage buildings 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/sinkholes-rats-and-insurance-claims/ (2016-04-24)
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  • Small businesses must plan for floods too… |
    research from the Federation of Small Businesses FSB very worrying According to the FSB three out of five small businesses don t have a plan in place to deal with extreme weather conditions This is despite two thirds of those surveyed being affected by flooding drought or snow in the past three years Even more extraordinary is that 29 per cent of businesses don t have insurance for business interruption or damage caused to property by flooding The FSB explains that by protecting against disruption small firms can continue operating and thus avoid financial difficulties And it s the knock on effects which can have greatest impact problems for staff getting in to work or for customers getting access as well as issues for suppliers utilities and transport We heartily endorse the FSB s advice for businesses to put an extreme weather plan in place and they suggest using the comprehensive guide provided by the Environmental Agency on their website as a starting point The FSB also raises the thorny issue of Flood Re and the fact that small businesses won t be included in this new agreement on affordable flood insurance Flood Re is meant to go live this year but I m keeping my eyes peeled for more delays Share this page This entry was posted in Flood Articles and tagged buildings insurance business insurance business interruption commercial insurance flood flood insurance Flood Re flooding 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

    Original URL path: http://www.morganclark.co.uk/about-us/blog/small-businesses-must-plan-for-floods-too/ (2016-04-24)
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