Tag Archives: loss adjuster uk

Stay Safe Over the Christmas Holiday

Christmas is a time to enjoy yourself, not to think negative thoughts. However, it’s still important to take a few simple precautions, in order to ensure that you don’t look back on this holiday as a nightmare, instead of a dream. Not to mention making sure that, if anything does go wrong, your insurer’s Loss Adjuster has no reason to turn down your insurance claim.

Christmas decorations should be gleaming with light, but that needs to be managed safely. If you have electric fairy lights strewn everywhere, make sure that you get them from a reputable retailer, and that they conform to British Safety Standards. Cheap, inferior lights could give you an electric shock, or else overheat and set fire to the decorations.

That’s also a risk if you’re using candles, of course, so be sure everything’s fireproofed. And, if your idea of Christmas is to relax in front of a roaring fire, make sure sparks can’t leap out onto the carpet. Just as important, too, is to have your chimney regularly swept.

Is Your Home Secure for Christmas? 

Christmas can be a bonanza time for burglars, what with homes stuffed with new possessions and many people away for the break. Make sure your locks all comply with the British standard BS 3621 — that’s likely to be one of the first things the Loss Adjuster will look at if you have to make an insurance claim for loss of possessions.

Security is important all the time, of course, not just for Christmas. It would be well worth thinking about investing in exterior sensor lights or security cameras. They don’t cost the earth these days, and they’re often easy enough for any competent DIYer to fit. Some models will link up with your smartphone and warn you if they’ve been set off.

And lastly, as always when you’re away, don’t make it too obvious that your home is empty. If it’s going to be more than a few days, ask a friend or neighbour to take in post and open and close the curtains — or you could invest in a timer for your lights. And please, please, don’t advertise on social media that you’re away. Wait till you’re safely home to post your Christmas snaps.

Allied Claims would like to wish you a wonderful and disaster-free Christmas, Chanukah and New Year. Have a great time, and stay safe.

Insurance Claim and Occupancy Clause on Household Policies

Water damage insurance claim

Before you make an insurance claim on any insurance policy you have, it’s essential to read through all those fine-print clauses. Yes, it might be boring, but not nearly as bad as being hit by a restriction you weren’t expecting when you try to make a claim.

A case in point is the Occupancy Clause.

Most home insurance policies, and the majority of policies for commercial properties, include a clause that addresses the “occupancy issue”. The exact wording will vary from policy to policy, but what they all say boils down to stipulating a maximum length of time the property can be left unoccupied, if you need to make an insurance claim is usually 30 days.

If you’re intending to leave the property unoccupied for longer than this, the Insurer must be notified, preferably in writing or by email, and specified actions must be taken by the Policy holder. The most common are that the heating must be kept on, bi-weekly visits must be made, and that an alarm must be installed.

However, it’s vital to check exactly what your policy says and make sure you know what needs to be done, in addition to informing the Insurer if the property is going to be empty for more than 30 days.

This can apply to any circumstances when the property will be unoccupied, but it’s particularly relevant to anyone letting out a property. The landlord must notify the Insurer as soon as the tenant has moved out. In many cases, the landlord will be making repairs or decorating before the new tenant moves in, and this can easily stretch out beyond 30 days so watch out if you are about to make an insurance claim.

Whether your insurance is for a domestic or a commercial property, make sure you know your obligations under the Occupancy Clause. If you don’t, there’s a good chance that you’ll be left without a penny if you have to make a claim.