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Flint Private Clients A Case Study

Published: 20/04/18

Flint Private Clients A Case Study

insurance in action 

Initial introduction

Flint Private Clients was delighted to take a new introduction from White Oak mortgage brokers, regarding a good, long-standing client of theirs.

The lady concerned was in the process of buying a new £1.5m house in Beaconsfield. The property was at exchange stage and we secured rebuild insurance to a value of £600,000, with a view to adding contents following completion.

Out in the cold

Unfortunately, between exchange and completion the house fell foul of the 'beast from the east' and suffered a burst water pipe. Unbeknown to our client this came about because the owner had already moved out and turned the heating off!? This lack of communication (and some might say consideration) had caused damage to the tune of £15,000, particularly in the upstairs bedrooms, which were now uninhabitable.

She called her Flint Private Clients account manager Mike Nightingale over the weekend to find out what she could do? Obviously this was a very unusual situation and in the first instance the client was advised to consult her solicitor to pursue the current owner and his existing insurance. In terms of standard insurance protocol, where there is existing insurance in place, a 'new' insurer would not normally pay out.

Over the course of the next week there was much going back and forth, and eventually the existing insurer declined to indemnify the risk, with the current owner washing his hands of the situation. The difficulties were further compounded by the two conveyancing solicitors who gave completely conflicting advice.

Moving on

The property was due to complete on 16 March, with the insured planning to move in 29 March, but not before the builder could come in and start work on the much needed repairs so that the place could be made habitable for our client and her young family.

Mike therefore formally submitted the claim, with written estimates and an overview to explain the situation to our recommended insurer, Horizon, on Thursday 15th March. A few phone calls took place between the insured and Horizon, with the end result being £15,000 in the client's account a couple of days later and in time for the refurbishment works to start.

All's well that ends well

This illustrates the benefit of using quality insurance providers, having worked with Horizon for many years Flint has developed a good working relationship, built on mutual trust. It's not uncommon for insurers to be represented within the media as the bad guys; we think this clearly demonstrates that this is not the case. 

As an experienced, specialist insurance broker we make it our responsibility to speak on behalf of our client. Thanks to the insurer and the hard work from Flint we were able to positively resolve this incredibly difficult and stressful situation.



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