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Flint Claims Update

Published: 7/5/15

As you know Flint places special emphasis on claims handling; utilising our claims expertise both at the start of the risk assessment process and of course when an actual claim occurs. Our specialist claims experience and knowledge is used to help us ensure that your policies perform as intended.

A number of issues have recently arisen and need to be addressed before they become a cause for concern:

Property Values

We cannot stress strongly enough that you must provide us with full information about your property. It’s imperative that sums insured and declared values accurately represent the full property reinstatement at current rates. Any rebuild valuation must make allowances for such things as professional fees, debris clearance, drives, fences, special architectural features and building materials, environmental requirements etc.

During recent discussions with a commercial business, it became apparent that owner’s ‘shed-cum-workshop’ was in fact a Victorian Methodist Chapel; brick built with a slate roof and beautiful architectural features. The insured had stated a mere £80,000 rebuild value, but if a claim had been made the insurer would have considered it to be underinsured. The result would be either a greatly reduced payout or the claim totally dismissed due to misrepresentation. Rebuild and market values can differ greatly, particularly due to geographical location, or special architectural features. As your insurance broker we cannot set the valuation, but we can refer you to an independent third party, who for a reasonable fee will provide an accurate rebuild value. If in any doubt, then please ask us for advice.

Forklift Trucks

We know that many of our commercial clients operate forklift trucks, if this is you, we need to stress that should this be operated anywhere over a public highway, full road cover with its wider limits of liability is required.

This still applies even if you’re on an industrial estate and only pass over roads that are used by other companies or members of the public. If there’s an accident your driver might be deemed to be on a highway without proper insurance, which could legally lead to IN10 conviction.

Insurance in Action

You may remember, or indeed were affected by the large fire that happened under Kingsway in Central London early April. This caused extreme disruption and loss of business in the area immediately after the incident.

Things are not yet back to normal; Kingsway is remains partially closed with some businesses still experiencing reduction in their turnover as a result. One of our clients has a restaurant in the area, however they’d taken our advice and their policy covers financial loss as a result of denial of access. As a result we are currently in the process of handling their claim. This event would have caused huge financial hardship without the correct cover to step in.

Claims sign off

Unfortunately we all have to now accept that we live in a claims culture. Commercial business and property owners must ensure that they have full and correct employers’, public and product liability in place, with additional cover for their particular professional and commercial enterprise. Speak to your Flint commercial account handler for sound advice on protecting your business.

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