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During these worrying times, the amount of business interruption claims enquiries to insurers has skyrocketed! But many business are being told that they are not covered on their insurance policy. In most cases you can claim on your business interruption insurance for several reasons such as:

• Natural disaster
• Fire
• Theft
• Other circumstances that stop your work premises temporarily unusable

This is all dependent on the wording of your policy.

Whilst most policies will fix the damage, they rarely take into account financial implications faced by your company.

COVID-19 and Business Interruption Claims

In recent months COVID-19 has swept the world. It is a time of uncertainty for a lot of companies big and small.

On the 17th March 2020 the government reached an agreement with the insurance industry.  They agreed that if the insured policy is designed to respond when the business has been obligated to shut. This is instead of advice to shut.

Although most people their business interruption policy will not cover COVID-19.

Depending on your policy wording you may not be covered. However, there’s a chance that your current insurance policy does protect your business from the consequences of COVID-19 and Coronavirus. You maybe covered and not even realise it.

There are two different policy extensions that may cover you for this situation.

Denial of Access Extension (non-damage)

You may be covered if you are prohibited from gain access to your property. By an event or action from the authority, this would cause your business interruption cover to fall in to affect. If this Is the case, then there is often a difference in wording.

However, this depends on the insurer or your policy. Because of this you might be covered but it will depend on your policy and your circumstances.

Infectious Disease Extension

Many policies covering infectious diseases will expressly state which diseases fall in the realm of being infectious or notifiable disease. If this is the case your policy will not cover COVID-19 as it is a new disease.

Other policies will define the disease with actions of the government. Due to the UK Government naming COVID-19 as a notifiable disease, it is possible that you fall into this definition. Therefore will be able to claim.

Another reason you may be able to claim if the disease is on your premises. Also if the disease is in a specified radius from your premises.

What Should You Consider When Making A Business Interruption Claim?

When considering making a business interruption claim there are some important things to note. Firstly, you should think about if there is any legal compensation available to you and your business. You should also consider if your policy wording includes:

Does your policy include cover for Notifiable Disease and/or Denial of Access? These are the two most common extensions for business interruption. From this you should also consider if the cover limited is range such as a specific disease. Or even if the disease has been found in the insured premises.

You should additionally take note of the period of interruption and the sum that you have insured.… Continue Reading

Has your property has suffered from fire damage? Are you in need of some help and advice?  Do you feel as though your livelihood has disappeared? Do you just want some degree of closure? If so, you need a trained fire damage repair expert, who works for a registered company/contractor, to help fully restore your property.

Furthermore, if you have a valid insurance policy our recommended fire damage restoration specialists can help you. They will firstly assess your property, and make reports in terms of the level of damage, cause of damage. Also, if not already determined, the damage caused by the fire. Finally, what needs restoring inside and out of your property.

Additionally, when you thinking of who is appropriate to perform your fire restoration work.  There are certain things you need to make sure you do before deciding;

• Check and do research into whether or not, the trades people you are considering, have all or at least some of the following qualifications:- CHAS, Safe Contractor, ALTUIS, NICEIC, OFTEC, Gas Safe and ROSPA; these will show they are people that know what they are doing in terms of fire damage repair.
• Do general research into the company name or the trade individual’s name. Ensure they do not have a reputation for anything unsatisfactory.
• Look on the considered person’s/company’s website for testimonials of satisfied customers.

Fire Damage Repair Services Throughout the UK

Once a detailed description of the damage occurring at your property, has been done by your chosen contractor, the restoration work can begin. Restoration work that is being done by a credited individual, should be given an appropriate estimated time of completion. You should keep this original date and time documented. This help make sure work continues efficiently towards that estimation or else question the reasons.

Finally, when work is complete, you will be able to move back in your property. You will also know that the work will have carried out to the highest standard. This is due to the correct choice of contractor or individuals appointed to complete your property’s fire restoration project.

Visit this website if your insurer has asked you to supply fire restoration builders quotes.… Continue Reading

My Property Requires Fire Restoration How Can Public Loss Assessors Help?

Public Loss Assessors can offer help and advice when choosing professional fire restoration contractors to repair your property. We can recommend expert builders who ensure that properties are restored precisely to their pre-accident states. The there recommended building contractors will manage the entire fire restoration process. They supports a range of event restorations such as fire/water damage and even theft.

Fire Damage

In the event of a fire, more than just fire damage can occur in a property. Smoke damage can also occur during a fire in the property and can spread to rooms unaffected by the fire. Also, additional damage that can occur resulting from fire is water damage.

When extinguishing a fire full pressure hose reels are used, these hoses are specifically for fires. While helping to extinguish the fire, the hoses can cause water damage to the property. Fire, smoke and water damage are all difficult to repair and if reinstated incorrectly problems may occur in the future. Our contractors are trained to ensure that this is not the case.

The extent of the fire and smoke damage to the property may not be detected by inexperienced builders. Fire Damage Restoration no matter how small or large will be carried out by our fire restoration experts. Fire damage is classified into two areas primary and secondary.

Primary & Secondary Damage

Primary damage is commonly fire damage as it is easy to spot burnt walls and items. Secondary damage is classified as the unseen damage such as water damage and electrical damage. While it is possible to spot water damage and electrical damage, to assess the level of these damages takes experience in the restoration field. PLA have previously used experienced contractors who will be extremely effective at spotting all primary and secondary damages in a property to ensure the full repair work is carried out.

Smoke and water damage resulting from the fire can be absorbed into the structure of the building. If a material absorbs a large amount of smoke or water the material will most likely need to be removed and replaced. This is to ensure the property is stable when fire reconstruction begins. This is all managed during the restoration works by the building contractors that Public Loss Assessors recommend.

If your property is severely damaged from fire, smoke or water damage, we will promptly setup building repair works. These fire restoration works will reconstruct your property back to its original state. These recommended builders communicate directly with your loss assessors and surveyors providing all evidence of communication keeping you fully updated at all times.

Fire Restoration

Fire restoration work depends on the fire itself, whether it was a small contained fire or an uncontrollable blaze. Small fires may only inflict minor structural damage while large fires can wreak havoc on support beams and walls throughout a home making it unstable. It is important to have an experienced fire restoration specialist, to ensure no accidents occur during repairs.… Continue Reading

Latent defects are ultimately deficiencies in the construction or planning of a building. The defects aren’t detectable to the untrained eye until many years after the building is first constructed. If they are noticed within two years of the construction then the contractor may be obliged to restore any damage and fix any defects. The main causes of these defects are design flaws, poor preparation in design and construction, poor workmanship and incorrect materials. If these defects are left long enough and if the problems worsen, it can leave your home being unsafe to live in.

When the first signs of latent defects show, the faster the claim submission the better. When you claim through your insurer, which can be a long and problematic procedure, your appointing a loss adjuster that isn’t working on your behalf. The loss adjuster that the insurer sends is working on behalf of the insurer and the insurer only, fighting for the insurers cause and not yours. By appointing Property Defects to handle your claim, you will receive a visit to survey, if the damage is a result of insured liability, property defects will arrange for one of their preferred surveyors to inspect your property further.  A claim to your insurer will then be submitted. Our experts will fight your cause tirelessly till you receive the settlement you deserve.

Property Defects work on a no-win-no-fee basis, so no matter what, until you receive a settlement you’re satisfied with with we won’t charge you a penny. If you have noticed any signs of subsidence; may it be; cracking in interior walls, cracking in exterior walls, sticking of doors, damp or any other of the many signs of latent defects, your property may be compromised. To find out more, visit www.propertydefects.co.uk… Continue Reading

What’s the difference between a loss adjuster and loss assessors? Is it something you know? Then let us tell you some different facts about each of them.

When you buy a house or a car then you always get insurance, just in case an accident is to arise, but when you report the incident to your insurer they will recommend their own loss adjusters to assess the situation.

Most of the time, the public agree to let the insurance company’s loss adjusters deal with the incident, but here at Public Loss Assessors we don’t recommend that. As the loss adjuster will be working for the insurance company more often than not, they might not always give you the entitlement you deserve.

A loss assessor is someone who works on your side and will negotiate with the insurer to make sure you get the best possible entitlement.

Public Loss Assessors Ireland will always work for you, in your best interest and would help you get your claim in full, on a no win no fee basis.

Loss Adjusters and their role: if you have insurance on your property and your property is damaged in anyway, then your insurance company will send out their personal loss adjusters to inspect the damage and deal with the claim. One of their goals is to reduce the cost of your claim, so that the insurer doesn’t have to pay out as much money.

If you are looking for a professional loss assessor with years of experience than contact Public Loss Assessors or visit their website at www.publiclossassessors.com.

Public Loss Assessors work entirely on your behalf, this ensures that they can get the best possible entitlement fee for you and to speed up the claim so you can return back to everyday life as soon as possible.… Continue Reading

Did you know at the start of April 2013, 19.1 million homes in Great Britain alone had Cavity Wall Insulation installed?
The problem that occurs with this is that the materials that some installers use don’t inhibit heat, and subsequently complications in the property’s arise because it hasn’t been installed adequately and in accordance with CIGA (Cavity Insulation Guarantee Agency) guidelines.

Problems That Can Occur With Cavity Wall Insulation

As well as not keeping the heat in your home and having no effect on preventing the cold entering  your property, cavity insulation can also causes damp. This is because in the winter the rain will permeate through if the insulation installer hasn’t used the correct material and isn’t installed in the correct way.

When this happens, it can cause wet patches on inside walls and lead to mould, which causes a black sheet of bacteria. It can also lead to defects on the exterior wall. The home should be inspected and If it isn’t eligible for cavity  insulation then it simply shouldn’t receive it. If you have been unfortunate enough to of been effected by poorly fitted Wall Insulation and the problems that go with it then a reccomended company to help your cause is Mycavityclaim.com

Additional problem that can be triggered by incorrectly fitted cavity wall insulation is wall tie corrosion. When cavity wall insulation is installed, wall ties will be needed in order to keep the cavity wall insulation together. Whatever material the wall ties are made of, they will corrode eventually and if the cavity wall insulation has been wrongly fitted, they will corrode at a much quicker rate as they will be constantly damp. Replacement wall ties can also prove very difficult to fit, which is why more often then not you need professional help.

Cavity Wall Help

There are millions of homes in Great Britain that have wall insulation installed without damp, mould or wall tie corrosion. In some other cases, homeowners can receive pay-outs of up to £50,000. If you have been affected by wrongly fitted cavity insulation or have any general enquiry about cavity wall insulation, then you should feel free to call My Cavity Claim. Find out your deserved entitlement today and don’t settle for less.… Continue Reading

Public Loss Adjusters

Are you in need of a loss adjuster? At Public Loss Adjusters, we strive to be the best loss adjusters and to provide you with the best claims management in the industry. We are a respected CILA chartered firm and have over 30 years of experience when it comes to loss adjusting.

We also have two senior loss adjusters with 75 years of combined experience when it comes to loss adjusting and claims management. Unlike most loss adjusters, we do not work for the insurance company. We work directly for you, so when you hire us you can be sure that we have your best interests at heart and are not trying to save the insurance company money. Our main target is returning your property to its pre-loss state.

If you have any questions about Public Loss Adjusters visit our website at https://www.publiclossadjusters.com/ or do not hesitate to call our friendly team on 0800 434 999.

What Can Public Loss Adjusters Do For You?

We can cover you and provide you with insurance claims management. We cover various areas in the insurance industry. We cover numerous types of claims, as long as you are covered by your insurance on the area that was affected. We also can give you free loss adjusting and claims management, provided that you employ the contractor of our choice.

We also speak directly to your insurer for you, so you don’t have as much hassle on your plate through your terrible accident. With PLA speaking to your insurer directly, we ensure that you get the right settlement fee for your property’s damage. We fully record all of the damage that the accidents have inflicted.

It also ensures that the claim process is completed as quickly as possible and there is no delay in the claim process. Sometimes the policy holder and the insurer don’t always come to an agreement and the insurers delay the claim process dramatically – we will take measures to protect you from this course of action.… Continue Reading