Staying Safe Over The Holidays

Staying Safe This Christmas

Over the holidays, we will all be enjoying spending quality time with all of our friends and family. Over the holidays, firefighters near you receive a number of calls about candles starting fires, kitchen fires, electrical fires (even your presents could present a fire risk) and more. There are always incidents occurring over Christmas that could be easily prevented by following simple safety advice.

Here at PLA we have put together our top 10 best tips which will help you stay safe this Christmas:

1. Check that all Christmas tree lights and electrical presents are to the British electrical safety standard.
2. Keep candles away from the Christmas tree and any flammable objects like curtains.
3. Don’t attach decorations to lights or heaters because they can easily catch alight.
4. Remember not to overuse your electrical sockets or extension leads, and remember to switch them off at the mains when not in use.
5. Do not cook whilst drunk – it is very easy to fall asleep or forget about your food altogether.
6. Keep an eye on food that is cooking.
7. If you are going to be using fireworks, make sure you follow the safety instructions.
8. Make sure that all cigarettes are completely extinguished before you leave them unattended so that they don’t start to smoulder.
9. Check that all smoke alarms have batteries which work, and that a fire plan is in place so everyone knows where to go and how to get out.
10. Make sure that if you are drinking not to drive anywhere, if you need to get somewhere order a taxi or just stay at your family or friends house.

These tips will help you stay safe over the holidays. But if an incident does happen over Christmas just know that we will be here to help. Our phone lines will be open over Christmas for guidance and emergencies.

Public Loss Adjusters want to wish everyone a Merry Christmas and a Happy New Year.


The Devastating Effects of Storm Angus

The first named storm of the 2016, Storm Angus, has hit the South West of England after predictions and has brought wind speeds of up to 97mph and left thousands of homes powerless after a months’ worth of rain fell in a few hours. The storm consequently led to the closure of schools, roads and major rail lines whilst many homes and businesses were flooded.

Starting off with a major flood alert, Storm Angus caused destruction to the South West of England, mainly Devon and surrounding areas and has even claimed a woman’s life.

With Devon being Storm Angus’s hardest hit county and with floods of up to 4ft deep, any home or property has been in jeopardy. During the storm, a takeaway caught fire in Devon. This fire proved very difficult to control due to the fact the high winds were helping to fan the flames and made it hard for the firefighters to carry out all normal procedures when extinguishing a fire.

As well as flooding homes, leaving them full of sludge and mud and destroying people’s possessions, Storm Angus has caused trees to fall onto the road and river banks to rise, making any road a potentially hazardous one. Sea defences have also proven ineffective; in Swanage, the water came over the sea walls and eventually the wall itself was battered down by the strong record winds.

Call Us Before You Call Your Insurer

Obviously, we would prefer it if not one person was affected by the storm, but we know that Angus has caused destruction to thousands. If you have been exposed to the damage, we are here to help.

At Public Loss Adjusters, we pride ourselves on customer satisfaction, we aim to get every single client their deserved entitlement. We will fight your cause until you feel you have got justice for the hardship inflicted on your house, however difficult this particular situation is. Call us today at 08000 434 999 or 0333 5770 999 to find out your warranted compensation today.


Guide To Preventing Fires Caused By Candles

Many people don’t think of the safety hazards when igniting candles, but they are extremely dangerous if left unattended. Each year, there are a growing number of house fires and more and more people are getting seriously injured. As a result of the increasing popularity of buying candles, more property fires are being reported in the UK.

There are many different types of candles, oils, incense burners and joss sticks which all should never be left unattended. When the candles are ignited, make sure they are kept out the way of children and animals – the candles can be easily knocked over and cause serious damage to your home or your family.
There are many different types of candles, oils, incense burners and joss sticks which all should never be left unattended. When the candles are ignited, make sure they are kept out the way of children and animals – the candles can be easily knocked over and cause serious damage to your home or your family.

Here are some tips on how to keep safe when using candles:

  • Keep them on heat-resistant surfaces but remember that night lights and tea lights can get hot enough to melt plastic.
  • When the candle is burning, you need to make sure that it is on a flat surface so there is no chance of them unbalancing.
  • Don’t place candles near any objects which can easily catch alight, such as curtains, clothes, bedding, etc.
  • A substitute for a wax candle are LED lights, which you can obtain from most retailers.
  • Leave a good distance of space between each candle.
  • When leaving the candles unattended, you need to make sure that they are fully extinguished for no chance of further danger.

For further safety advice, you can contact your local fire brigade or visit their website. If you are using candles, make sure you are responsible around them and don’t leave them unattended; the consequences can be greater than you think.

Follow these key steps to stay safe in the event of a fire

  • Get everyone out of the property as quickly as possible.
  • Close all doors behind you.
  • Call the fire brigade.
  • Do not go back into the house until the fire officer has told you it is safe to do so.

These are very important rules to follow and may one day save your life or others.

Public Loss Adjusters Are Here To Help

If you have suffered a house fire in the recent months, then this can cause a huge distress for you and your family it can lead to all sort of problems. If your property is insured, then give Public Loss Adjusters a call today on 08000 434 999 BEFORE you contact your insurance provider. We can help to ensure that your interests are put first – rather than your insurers.


Fire Prevention – Check Your Chimney Often!

There is a reason why chimney fire damage occurs more frequently at this time of year!

When was the last time you checked your chimney? With winter quickly approaching, fire brigades across the UK are reporting an increase of calls to fires that are caused by poorly maintained chimneys. If you have not checked your chimney in a while, it may be time to do so now to ensure that it is safe for the winter ahead.

Chimneys are one of the leading reasons as to why fires start in property’s. Chimney fires are one of the oldest and cheapest ways to keep your property warm, however with flames roaring within your property they are also one of the most dangerous. Some would rather enjoy a nice fire whilst sat in the living room but little do people know just how dangerous they can actually be.

Regularly Maintain Your Chimney To Prevent Fire Damage

The most common reason for chimneys catching alight is that they are not properly maintained and cleaned regularly. There are different types of chimney fires. The different types are wood fires, coal fires and oil fires. All types of these chimney fires need different maintenance, the coal fires do not need to be cleaned as regularly, the fire department recommended 1 to 2 times a year. Whilst the wood fires need an average cleaning of 4 to 5 times a year.

There are ways to prevent fires from starting due to your chimney, the precautions you need to take are relatively simple yet lifesaving. The main one which is regularly maintaining your chimney is the most important step to take. The second way is buying a fire guard so that no embers or hot substances can find their way into the room. When using a wood burner, you need to make sure that the woods moisture content is no more than 17 percent, you also need to ensure that before you leave the fire unattended that every single ember is properly extinguished.

There is on average 7000 fires a year due to chimneys in England alone they are one of the leading reasons to property damage in the UK. When using chimneys, we urge everyone to stay safe, if you follow the procedures properly then you and your family should be safe from these types of fires.

How We Can Help

Ideally, we would prefer that your property isn’t damaged by a chimney in the first place, but If you have been affected by a chimney fire, then we can help. Public Loss Adjusters are not only here to ensure that you receive your full entitlement from your insurer, we can also arrange for expert building contractors to repair your property after a fire. If your insurance policy allows, we can also arrange for temporary accommodation whist your property is repaired.

Public Loss Adjusters work tirelessly by representing you, rather than your insurer. In most cases we can offer our services at no cost to you. Call our helpful and friendly team today to find out how we can help. Call 08000 434 999.


Another Happy Client Testimonial

Many people come to us and ask us why should they take advantage of the services we offer, rather than trusting their insurance company to settle their insurance claim. After all, they have paid for their policy and the insurance company has an obligation to their customers, don’t they?

At Public Loss Adjusters, we can provide you with comprehensive information about the services we offer on our website or with a quick phone call, but the truth is that people can still be skeptical and come to the conclusion that our services might just be too good to be true!

Sometimes, the best way to tell you about the services we offer is from a customers point of view.

Testimonial From Cook’s Garden Machinery Limited

“Following a substantial fire at our premises back in May of 2015 and the ensuing disruption afterwards, we were confident that we would be able to call upon the expertise of our insurance company to help and guide us back to normality.

Having been with the same insurance company for over 10 years we assumed that we could rely on them to deal with our resulting claim swiftly meaning we would suffer as little disruption to our business as was possible under difficult circumstances.

Unfortunately this was not the case!

Following two visits from different loss adjusters we found that at every possible opportunity barriers were put up delaying payments, misinterpretation of policy wording meant we were left confused as to which areas of our business were covered and poor communication between departments left us very frustrated at an already difficult time for us.

Fortunately for us one of the directors of PLA lives locally and offered his services on many occasions.

At first we still assumed our insurers would come good and declined the help of PLA but eventually through a lack of success off our own backs and with repeated delays in progress we contacted PLA for help.

We only wish now we had contacted Public Loss Adjusters on day one.

Our first visit by Simon Coburn of PLA gave us confidence that we were dealing with a very professional company. He outlined how things would proceed and explained some of the areas of the claim that we were unsure of.

A meeting was arranged with Simon’s colleague Sean Gregory at which point we signed and handed control of the claim to Public Loss Adjusters.

At every stage of the claim from then on we were kept informed of progress. Where doubt of liability arose with the insurance company, PLA fought our corner for us.

We had some issues with the loss adjusters working on behalf of our insurers and through their vast experience of the legalities involved, PLA sorted out these problems.

We are absolutely certain that without the help of PLA we would not have reached the settlement we did with insurers.

We would certainly strongly recommend PLA to anybody who finds themselves in the position we were in and would urge that advice be sought from them at the outset of the claim and not left later as we did.

Thanks to Simon Coburn, Sean Gregory, Paul Standen and the team at PLA.

For and on behalf of Cook’s Garden Machinery Limited.”


Beware Of Fridge Freezer Fire Risks

Recently, a large number of fridge freezers have been catching on fire in people’s properties and putting a high number of people at risk. There is more than one fridge freezer fire every week, there have been 7 deaths and 71 serious injuries caused by the malfunctioning of fridge freezers since 2010 in England.

We urge people who might not be too sure if they are at risk to contact the maker of the fridge freezer and ask them if there have been any incidents with your model, and if so if you can prevent it or they can do something to help.

Fridge freezers are a major concern to us as they contain a high amount of plastic and extremely flammable insulation, which, if ignited, can cause a very large rapidly forming fire that spreads at a rapid rate, giving off highly toxic gas.

Most fridges’ door panels and sides are covered in metal, which provides more protection to you and your property if a fire does happen to start. But many are still built with plastic, which offers very little protection. We urge anyone who has a plastic covered fridge freezer to think about acquiring a new one covered with metal as you might be at risk.

Make sure that all of your fire alarms are working to the highest of their potential and also that you have enough fitted for your property to ensure everyone’s safety. If you are purchasing a new fridge freezer, then we urge you to always check if there have been any incidents with the certain models in the past and also to check if the brand has any incidents with any products they have sold. Also, always check to see if the fridge is metal covered or plastic covered as the difference may save a life.

Public Loss Adjusters Are Here For YOU

If your fridge freezer has caught fire and caused damage to your property, before you call your insurer call Public Loss Adjusters first. Our job is to negotiate with your insurer to ensure that you receive your full entitlement. If you allow us to appoint our preferred building contractors, our fees are covered by them. Otherwise we charge 10% (+vat) of your final settlement.

Call the Public Loss Adjusters team today on 08000 434 999


Tumble Dryer Catches Fire

The fire team in Lancashire are advising homeowners to take note of safety advice after hundreds of tumble dryers have caught fire.
There have been 395 tumble dryer fires in Lancashire, including 29 in the Preston area, 41 in South Ribble and 25 across Chorley. Also recorded 28 in Lancaster, 12 in Morecambe and 3 in Garstang and Tarleton.

Previously this month, a family that was asleep in their home in Morecambe suffered from a fire in their household when a tumble dryer burst into flames. The smoke alarm was not functioning correctly, so they were unaware of the fire until it had taken hold. Four fire engines and an aerial ladder was needed to rescue the family from the three storey property in Queen Street.

In March this year, firefighters were required to dispute a crucial warning about the danger of fluff in households tumble dryers after two people required critical treatment after a house fire in Preston. Residents of the property in Mitton Drive had to be issued oxygen after the emergency call out.

One occupant needed treatment after breathing in smoke. Research consumer group Which? showed tumble dryers were the second major cause of house fires. Electrical Safety First reported almost 50 deaths each year are caused by electrical fires, and faulty electrical components caused £41.6m of damage in the UK.

In 2010 a family lost all their possessions in less than 20 minutes after a devastating event when a faulty tumble dryer caught fire and destroyed their home.

If you have been affected by fire damage, Public Loss Adjusters offer a complete and extensive fire damage repair service. We are here for you all the way from negotiating with your insurer right up to the finishing point of repairing your property back to its pre loss condition.

We are so confident in our ability to restore your property back to an immaculate condition, that you will be handed a client satisfaction guarantee mandate, which will only be signed when you feel we have exceeded your personal standards.

Call our experts now on 08000 434 999 | 03337 333 999


Is Your Tumble Dryer a Fire Risk?

Public Loss Adjusters warn about the risk of your tumble dryer catching fire, it has been highlighted in the news recently and quite often that some models of tumble dryers run the risk of catching fire. In last November, the home appliance giants Whirlpool announced that their own brands of dryers such as Hotpoint, Indesit and Creda all have the risk of catching fire.

Whirlpool have contacted more than three million customers offering each of them a repair to ensure that it doesn’t catch fire or money off a new replacement dryer. To ensure that the solution to this problem is swiftly concluded, they have hired 300 more engineers to come out to your home and fix your current tumble dryer to eradicate the threat of it catching fire and causing damage to your home or putting your family at risk.

Whirlpool have also said that there could be a huge wait on the repairs reaching as far as January 2017. The fire happens because the brands of Hotpoint, Indesit and Creda have identified a fault that allows lint to build up against the heating element inside the tumble dryer. The guardian newspaper also reports that the Whirlpool company have stated “We are confident that this timeline will be reduced as we continue to register customers, recruit more engineers and increase the resourcing of our call centre”.

Whirlpool have advised consumers not to leave their tumble dryer unattended whilst drying their clothes and to certainly not leave the drying machine on when they leave the house due to the risk of the appliance catching fire.

Public Loss Adjusters Are Here To Help

If you have been unfortunate to have suffered damage to your property due to a faulty appliance causing fire or water damage, Public Loss Adjusters are here to you. One of our friendly advisors will be more than happy to help if you need to submit a property claim to your insurer. We work on a no win no fee basis, ensuring that you receive your full entitlement.

Please feel free to call Public Loss Adjusters on 08000 434 999. We will be happy to offer help, advice and insurance claims management services to you.


South Battered By Storm Imogen

The south of England has been affected by Storm Imogen.

The UK has been battered by Storm Imogen over the weekend, with flooding across the country and severe flood warnings issued for areas in the south of England. Cornwall, Devon and Somerset have been alerted to a medium risk of flooding.

Parts of Warwickshire have experienced heavy flooding, as roads have become severely flooded when a stretch of river burst its banks. Constant rain over the weekend has also led to many areas experiencing flooding on the road, with some water leaking into residential properties in Nuneaton, Bedworth and North Warwickshire.

Parts of Coventry have also been flooded, with businesses and homes experiencing flood damage after a two-foot torrent of water burst from a brook, destroying thousands of pounds’ worth of stock at a local business.

Transport has been affected in these areas, with drivers being advised to avoid certain roads due to heavy flooding. There have been numerous cases of drivers being stranded in flood water, especially in North Devon where most roads have experienced flooding.

In Cornwall, two properties have been flooded in Angarrack, and three properties in Blackwater, but no properties have been evacuated.

If you have been affected by flooding, Public Loss Adjusters can help you to be seen by your insurers first. Call 08000 434 999 if you are in need of insurance claims management.


Storm Jonas Headed To The UK

The United Kingdom is to be battered again by heavy rain and more gale-force winds, coming in from the remnants of Storm Jonas from the United States. The UK has received a warning for heavy rain on Tuesday for the west of the UK, with four inches of rain forecast for parts of Wales. Severe weather warnings are also in place for north west England and the west of Scotland.

The Met Office has warned of more dangers of flooding across the UK, after many households are only just recovering from Storm Desmond over the Christmas period. The weather is expected to be mostly mild apart from Tuesday and Wednesday, which will bring wet and windy spells. 20-40mm of rain is to be expected in Scotland and 30-60mm to be expected for north west England.

While the US received heavy blizzards that have impacted travel, during the time that the storm is crossing the Atlantic, this blizzard will have dissipated into rain, bring persistent rain to the UK. Strong winds are also expected in addition to this heavy rain, so be careful when travelling across the country.

The Environment Agency has issued four flood warnings and 14 food alerts, advising those affected to take immediate action to protect their homes.

If you want advice on how to deal with the floods if you are in the affected areas, Public Loss Adjusters can help you. Call 08000 434 999 if your home becomes flooded, and we can help manage your insurance claims.


Why You May Need A Loss Adjusters Help

Small businesses can go to the wall if insurers delay paying out their claims, but help may be at hand. The following published in the Sunday Times tells the story of how a small up and coming business struggled after a fire.

The piercing sirens that woke Eleanor Olivier at 5am heralded her worst nightmare. Half a mile from her home in Richmond, North Yorkshire, her flourishing beauty salon had gone up in flames. Ten fire engines and more than 50 firefighters were battling the blaze. “I could smell the smoke. As I got closer, I realised it was our building. All our hard work was destroyed,” said Olivier, 64, who started her beauty business 23 years ago.

Her Urban Spa Retreat opened in 2006. When the blaze broke out in June, she had just received a bank loan to fund expansions. “We were rocketing with a dream team. We were so happy; almost nothing could be better.”

A sandwich shop and a Red Cross store went up in flames along with Olivier’s livelihood. Police quickly established the cause as arson by a local teenager. Amid the devastation, Olivier thanked her lucky stars – for years she had held an insurance policy with NIG, a specialist commercial insurer that is part of the Direct Line Group.

She also had business interruption cover, which helps with staff salaries and bills that have to be paid while a business is getting back on its feet, as well as contents cover. Surely, she thought, she would have her venture up and running again in no time. She thought wrong. While the police charged a man with arson, NIG took 10 weeks to accept liability.

Olivier, who runs the business with her daughter Robyn, has still not been offered what she considers a satisfactory sum. She has had two interim payments to help cover salaries and bills, but had to wait more than two months for the first cheque and a further three for a second one.

During the six months since the fire, which has seen the offender jailed for almost three years, Olivier has lost all but one of her staff. She complained that contact with her insurer had been limited despite several attempts to resolve the matter. She did, however, receive one important message from NIG.

“We were told that by no means should we cancel our direct debit and that our premium has doubled, even though we have no shop or contents to insure,” said Olivier, who plans to take her case to the financial ombudsman. Being out of business has had more than financial consequences. There is “the psychological torture of being in limbo”, said Olivier. She has no idea when, or even if, her company will get back to where it was.

Jeremy Balcombe of loss assessor Harris Balcombe said the delays have taken the Olivier’s to the brink. “The situation now is that the business is all but ruined and their bank has threatened closure on their company and personal accounts. Cars have had to be returned and finances are in a dire state.” NIG said: “While we sympathise with Ms Olivier’s situation, we have sought to progress the aspects of her loss, for which we provide cover, as quickly as possible.”

Olivier’s is not the first small business to be endangered by late-paying insurers. The issue of delays when dealing with an insurance claim is a threat to Britain’s enterprises. But it seems that, finally, the government is about to step in with a remedy. Next year, the Enterprise Bill will pave the way for a new rule that states an insurer is liable to pay for damage caused if a company is made to wait for an “unreasonable” amount of time for a settlement.

The change has been hailed by many industry experts as an overdue lifeline for ventures that struggle to stay afloat while waiting for payouts. SO far, it hasn’t been an easy law to pass. In October, the chief executive of Lloyd’s of London wrote to the treasury saying the new guideline was “fundamentally flawed” and could cripple the insurance market.

Lloyd’s said it was worried the door could be opened “to speculative and vexatious claims against insurers for losses that were never covered in the first place”. It wanted the government to water down the clause, which did not make it into this year’s Insurance Act because of its controversy.

Lloy’s did not succeed in scrapping it but did convince the Treasury to limit the period in which a small firm could make claim for damages, changing it from six years to just one. Sceptics such as Balcombe think the Enterprise Bill will make little difference to the unfair behaviour of insurers, which has been standard practice for too long.

“Proving what is reasonable or unreasonable will be complicated, to say the least,” he said. “Even if the Enterprise Bill achieves royal assent, the current thinking is that this will not occur until the middle of next year and then it will take a year to come into force. Policyholders will not benefit for a while.”

Others think the long-awaited change is a blessing for businesses big and small, regardless of how long it takes to put into practice. “The current situation is so ridiculous,” said Bruce Hepburn, who runs Mactavish, an expert in insurance governance. “Now we will be able to hold insurers to account in a way they have never been held to account before.”

Hepburn said research by this firm found that 45% of large claims are disputed and take an average of three years to settle. “An insurer will use the threat of delaying payment to settle at a lower sum, so why shouldn’t a policyholder in parallel use the threat of damages to settle quicker?” Hepburn added: “Every business in Britain has commercial insurance and every business needs it to work.”

Graeme Trudgill, executive director of the British Insurance Brokers’ Association, said he does not expect any problem with the implementation of the law and hopes it will reform the market. Unfortunately for business owners such as Eleanor Oliver, the shake-up comes too late. Others can only hope they get a fairer, quicker deal in future.

The above article is from the Sunday Times.

Remember, Public Loss Adjusters can help you to receive the full entitlement of your claim. We always put our clients needs before anything else, ensuring that they are fully aware of what is happening with their claim and that they are 100% happy. Call us now on 08000 434 999 for help and advice or if you would like to start a claim to your insurer.


Storm Eva Devastates Thousands Of Properties

Homes and businesses have been devastatingly struck by floods in Yorkshire and Lancashire following the heavy rain fall over the Christmas weekend. With Storm Eva taking place over the weekend, Storm Frank is due to sweep in soon, with Cumbria and the south and central of Scotland being at the most risk.

York was badly hit by the recent flooding events on Saturday. Areas of northern England, including parts of Manchester and Leeds, were submerged by up to 6ft of water after a month’s worth of rain fell in a single day in some parts of Lancashire. The Environment Agency has nearly 30 severe flood warnings in place for the north-east and north-west of England, and more than 180 flood alerts and warnings across England and Wales.

David Cameron has ordered thousands of troops to help the local communities across the north of England which have found themselves underwater just hours after celebrating Christmas. Analysts estimate the cost of heavy flooding across northern England could exceed £1.5bn, with small businesses hit hard.

How Can We Help?

Public Loss Adjusters can help you to recover if your property has been damaged by the recent flooding events. We understand how difficult it can be to keep in top of things, which is why we believe that managing your insurance claim should NOT be your priority. Instead, it is ours. We can:

  • Organise the boarding up of your property
  • Instruct our surveyors to assess the damage
  • Appoint our preferred restoration specialists to repair the damage
  • Handle your insurance claim from start to finish
  • Present a fully qualifying claim to your insurer
  • Liaise with your insurer on your behalf
  • Provide you with full support throughout the entire process

Don’t settle for less. We are here to get your property back to the way it was before in the shortest amount of time possible, whilst also ensuring that you receive the full entitlement of your claim. For help and advice, please call us on 08000 434 999.


Help For Cumbria Flood Victims

Localised flooding and travel disruption is expected over the next few days, with further downpours for the areas hit by Storm Desmond. River levels have also been rising around the South and East of Cumbria this morning, whilst a number of roads in the area are only passable with great care.

There are still several roads and bridges, however, which are closed as a result of the flooding from over two weeks ago. As a result, seven flood warnings are now in place, meaning that action should be taken to protect properties in Cumbria, Kendal and Carlisle. The North West is still trying to recover after around 5200 homes have been damaged by Storm Desmond.

As a result, the environment secretary, Elizabeth Truss, has set up a group to consider whether the current flood defences in Cumbria need to be strengthened. The Cumbrian Floods Partnership group will research the options to reduce the intensity of the water flows of the key rivers in the area. This is thought to build stronger links between the local residents, community groups and flood-defence planning.

The Association of British Insurers (ABI) have recently stated that they currently expect the storm and flooding recovery to cost around £520 million in property insurance pay-outs. Gary Rogers, the director of Public Loss Adjusters, recently did an interview on BBC Radio Cumbria to discuss the devastation among local residents in the area and also included some useful advice on what they should do next. You can listen to the interview at the bottom of this page by clicking the “play” button on the black bar below.

Public Loss Adjusters are currently working in Cumbria, assisting local victims of the recent flooding events. We can help to assess the damage of your property fairly, making sure that you are put before anything else. We work to ensure that you receive your full entitlement under the terms and conditions of your policy, working for YOU, independently of your insurers. Call us now on 08000 434 999 for further help and information.


Storm Desmond Floods Northern UK

Thousands of homes and businesses across the UK, especially in parts of Scotland, Lancashire and Cumbria, have been left devastated by Storm Desmond’s rain causing rivers to burst and break their banks. Record amounts of rainfall, reaching over 300mm in some parts of Cumbria, have breached flood defences and left thousands of homes flooded.

While many homes have regained power, there are still more than 2,500 homes without power in Cumbria. Rescue workers are working to evacuate people from their homes as more than a month’s worth of rainwater fell in the space of 24 hours, causing severe flooding and leaving 1,734 homes without power in the Fusehill area of Carlisle, as well as 218 in Cockermouth.

In Lancaster, Morecambe, Carnforth and other parts of North Lancashire, 55,000 homes will be without water and power until at least Tuesday. Furthermore, more rain has been predicted to fall this month, with strong winds of up to 60mph are expected to batter the already flooded areas, worsening existing damage.

Public Loss Adjusters would like to warn all residents of the North of England and southern and central Scotland to not travel unless necessary, and to stay inside if your home has not been affected by flooding. While the weather is not predicted to be as severe as it has been, it is still advised that all residents remain alert and prepared for more harsh weather.

The Association of British Insurers have assured consumers that the insurance industry is braced for the bad weather, stating that they are “geared up to help customers who have suffered flood and storm damage recover as quickly as possible.” Our Loss Adjusters can help to assess the damage to your property fairly, as well as ensuring you receive priority services. Call 08000 434 999 if your home has been affected and you need professional guidance fast.


Need Storm and Flood Claim Guidance?

Storms and flooding events devastate thousands of home and business property owners throughout the UK on a yearly basis. It is therefore important that you take certain precautions in order to prepare for these types of events. If you are worried about your property being at risk of storm and flood events this winter, our guide below has plenty of useful tips to get you started.

Preparing for Bad Weather

It is important that you are prepared for bad weather so that if it does occur, you know exactly what to do. It is also important that you try to limit the damage to an absolute minimum. You should always listen and watch out for bad weather warnings on the radio, TV and local newspapers where it may say whether your local area is affected and may even supply you with storm and flood claim help and advice.

You should make sure that any unsecured items, such as a ladder in the garden, are secure so that they don’t cause any damage to your home. This can lead to unnecessary damage which may be costly to repair. If you are in a high flood risk area, you should try to move your valuable items to a higher place or maybe even upstairs. This will ensure that your valuable or essential items won’t get damaged due to floods and storms as these can often be too valuable to replace or repair.

Keep a mobile phone with you at all times. You never know when you might be in an emergency or when you might need to call someone when your home has been damaged. Also, check if it’s safe to use electricity, gas and water supplies. Not doing so may result in further damage.

Insurance Claim Help & Guidance

Storm and flood damage can have a devastating effect on the whole property, as well as its contents and furnishings. It can be a stressful and upsetting experience for those involved, and time should therefore be spent concentrating on your family life – without the stress of dealing with the insurance claim.

Public Loss Adjusters have a 24 hour dedicated call centre which offers professional storm and flood claim advice. It is our job to ensure that you are provided with the expert knowledge you deserve when dealing with your insurance company. If required, we can even manage the whole claim on your behalf.


Warnings Issued For Local Flooding Alerts

The impact of severe weather has already had a major impact on towns and cities across England. Major local flooding events could possibly put lives at risk as heavy rainfall strikes Britain, devastating many towns and cities across the UK.

Many areas covered by the flood warnings are likely to see 2.8 – 3.9 inches of rain and the north-west could see as high as 5.9 – 7.9 inches. The Met Office has deployed many people to lay sandbags, strengthen flood defences and remove river blockages.

It is said that floods will be caused by rain hitting the already saturated land rather than coastal conditions, meaning that those who live inland will be equally in danger as those who are living by the sea.

The Environment Agency (EA) has issued severe flood warnings in 12 regions across Britain and 119 flood alerts across the UK, urging people to prepare for the events.

This came just hours after the Met Office issued an amber warning of severe weather conditions for north-west Wales and parts of northern England, with strong rain continuing to spread across Wales and into the northern areas of England, such as the Lake District.

In Cumbria, areas in and around Egremont and Kendal have been warned that they are at risk as they are set to see some of the heaviest rainfall in Britain. Residents have also been advised to evacuate their homes by the local district council, which has now set up a number of reception centres for those who are affected.

Two 24ft long pumps which are capable of pumping 120,000 litres of water per minute have been reported to have been dispatched to just Cumbria alone.

This wave of severe weather comes in the wake of Storm Abigail, Britain’s first named storm, which covered parts of the UK with snow and left more than 20,000 homes without power.

Craig Woolhouse, EA director of incident management, said: ‘Heavy rain is falling on already saturated ground causing rivers to rise and bringing a risk of flooding across the North West. We urge people to check the risk of local flooding in their area, sign up for flood warnings and be prepared to take immediate action. Our teams are working around the clock with communities at risk to prepare for flooding and maintain flood defences.’

If you have been affected by the events of local flooding in your area, Our Loss Adjusters are here to help you. Call us now on 08000 434 999 for help and advice.


Successful Subsidence Claims Settlements

At Public Loss Adjusters, our loss adjusters have exercised their substantial experience with subsidence claims to achieve an excellent result for our clients. We have recently negotiated and resolved two cases with Zurich Insurance PLC.

The properties were newly built and had a Zurich guarantee for a ten year term. However, substantial subsidence problems became evident within this term, causing significant damages to the property. Unfortunately, the insurers were not willing to deal with the property owners appropriately.

The owners then contacted Public Loss Adjusters, and our loss adjusters urged the insurers to take action. We kept lines of communication open with our clients, ensuring that they were constantly informed of the progress made.

Our loss adjusters, under instruction, ultimately achieved an excellent result for our clients – the sums of £350,000 and £395,000.

With subsidence becoming more prevalent in the UK, especially in the south and east, it is important to watch out for the signs. Signs include cracking in the walls, distortions of openings in the property that cause doors and windows to stick, and external cracks on the property.


Claims Management Companies Regulation

As a result of the Financial Conduct Authority (FCA) overseeing the regulation of claims management companies (CMCs), the Association of British Insurers’ (ABI) have now called for a new regulation to be used. This followed the release of data which showed 23% of CMCs have been either warned or have had their authorisation cancelled during the 2014 and 2015 period.

The ABI commented: “The current system i

The Ministry of Justice, who currently regulates the CMCs sector under the Claims Management Regulator, stated that 296 firms were warned, 105 had their authorisation cancelled and 390 companies surrendered their authorisation.

So What Do Other Companies Think?

The head of motor claims at Allianz, Tony Newman commented on the situation: “Despite warnings and lost accreditation, CMC practices have continued or even worsened. In essence it has had no effect. This demonstrates that the current regulation is ineffective.”

He added: “The number of authorised CMCs may have reduced but many will have set up without authorisation. Authorised businesses may just become bigger businesses, controlling more claims. No matter what the official figures are regarding authorised CMCs, activity has increased to the point where cold calls have become a part of everyday life.”

We Think it is About Time!

Public Loss Adjusters, however, are authorised and regulated by the FCA under registration number 515147. As an authorised firm, unlike these rogue CMCs, we are approved and regulated by the FCA to hold and administer client finds via a segregated client account. This provides our clients with the assurance that we are able to act as their professional representative at all times and will do so in an ethical and fair manner, working on your behalf every step of the way.


Commercial Extractor Fan Fire Nightmares

Did you know that 70% of commercial property fires are caused by extractor fans?

Are you in charge of the running of an eating establishment such as a public house, restaurant or takeaway? Did you know that your kitchen extractor fan can actually be a massive fire hazard due to a build-up of dirt and grease inside? Think about it for a moment – have you ever actually cleaned or had someone external in to clean the internal areas of your fan? If not, you are at a high risk of a fire.

Furthermore, did you know that 70% of fires in commercial kitchens such as in public houses, restaurants and takeaways are caused by a build-up of dirt and grease internally in extractor and ventilation fans/systems? Be aware and make sure you keep on top of the maintenance of your ventilation systems to reduce the risk of your establishment falling victim to accidental fire damage.

Fire and Rescue crews and services nationwide recommend that food and drink establishments should get their extractor and ventilation fans/systems serviced, cleaned and risk assessed once every 3 to 6 months, dependent on how often it is used and demand.

Moreover, think to yourself – is it worth not spending a few hundred pounds on cleaning your ventilation systems and risking the possibility of an unexpected blaze that could cause thousands of pounds of damage to your kitchen and other areas of your establishment?

At Public Loss Adjusters, we have dealt with many accidental commercial fires. If you do unfortunately suffer from one at your public house, restaurant or takeaway we can help you and work on your side. Additionally, we can offer you help with the fire damage restoration and put you in contact with one of our trusted and preferred contractors.

Our in house Loss Adjusters have a combined experience of 75 years dealing with business claims for property damage and are the experts you need on your side to deal with your claim. We work solely for you and will talk control of all negotiations with your policy insurance company to reduce the stress that coincides with property damage to business/ company. Finally, if you need an experienced and skilled claims handling company to help you, contact us at Public Loss Adjusters today.


Dangers Of Unofficial Mobile Chargers

Are you one of the estimated billion mobile and tablet users worldwide? Or are you an electric cigarette smoker? Maybe you use all of the three aforementioned devices? Did you know that using chargers designed for other products, or using cheap chargers, can pose a severe fire risk and potentially cause significant fire damages to your property?

If you are not using chargers that are produced directly or approved by your device manufacturer, please be aware of important factors such as the voltage of the cheap and mass produced chargers.

The cheap chargers you can easily buy from your local high street or via online shopping sites may seem a wonderful money saving option. However you should ask yourself this: why are these chargers so cheap to buy in comparison to the ones produced directly by the device manufacturer?

Many industry providers are now rigorously testing the cheap chargers for your smartphones, tablets and electric cigarettes for the risk to you. They are finding that these chargers have overheating problems and incorrect voltages.

Moreover, the tests that are being done on these chargers are being carried out due to devices exploding and overheating, which are causing an increased amount of properties to catch fire and suffer devastating and expensive damages.

Furthermore, if your original charger breaks and becomes unusable, and you feel as though you don’t want to purchase another manufacturer produced charger for reasons such as price or inconvenience, please consider the following points beforehand;

  • First, don’t purchase the cheapest charger you can find; go for the middle priced one, as prices for electronics such as chargers generally reflect the product quality.
  • Check product reviews for the company that produces the product and also the specific charger itself.
  • Check the voltage of charger you are thinking of buying, and make sure it is the same voltage as your original charger.

Please don’t take the risk of using chargers from other devices that aren’t designed for the product you’re charging. If you decide to use cheap chargers, consider the previously mentioned points. We have produced this list of precautions because we have witnessed many properties that have been severely damaged due to faulty device chargers, such as a property in Derby that completely burnt out and sadly 3 pets passed away during the blaze.

Just think to yourself – is it worth risking your property setting on fire just for a saving of 5 to 10 pounds? At Public Loss Adjusters, we believe that it definitely is not worth it!

However at Public Loss Adjusters, we understand that saving money is a desirable factor for anyone and we also understand the fact that you don’t buy cheap chargers purposely to cause damage to your home or business. Therefore, we are here to help you and provide you with specialist advice for fire damage claims.

Our in house and independent senior Loss Adjusters have a combined 75 years’ experience in dealing with property damage claims for fire damage and know exactly what is necessary for your claim to be successful and how to gain you your full entitled to settlement. Additionally, we can also offer you full fire restoration services from our approved and trusted contractors.

If you suffer from fire damage to your property as a result of cheap chargers overheating/ exploding and catching fire, contact the experts at Public Loss Adjusters now.


A Month Of Rain Expected To Fall In 48 Hours

There is an Extreme Weather Warning for the coming days, they are going to be filled with torrential rain, hail and thunder storms. It is expected that a month’s worth of rain and bad weather in the next two days is going to hit the United Kingdom and there will be devastating effects.

The predicted downfall is thought to be between 30mm and 50mm, which is equal to an average month of rain in the United Kingdom. As a result of this, there are major flood warnings throughout the nation and we advise that you put some safety precautions in place such as sandbags at your property.

These horrendous weather conditions can be extremely damaging – as we have already witnessed water damage earlier this summer in Alyth, Scotland. In this incident, 500 properties suffered disruptions, 150 properties were destroyed by localised flooding and travelling conditions were hazardous.

Additionally, due to the possible flood and water damage that these awful weather conditions can cause, your property could also be affected by storm damage. The storm could damage your home or business premises in numerous ways; tiles on your roof could be dislodged, your roof could collapse, a tree could fall onto your property or a brick wall at your property could be blown over and fall apart.

If your property has been or is currently damaged by water or storm damage during this period of extraneous weather conditions forthcoming, then Public Loss Adjusters can help you claim for property damages and offer you a full insurance claims management service.

Our senior Loss Adjusters have a combined 75 years’ experience dealing with claims and negotiating with the insurance companies on your behalf. We work for YOU, not the insurer, so we will use all our skills and experience to make sure you receive the biggest settlement that you are entitled to for the cost of damage repair and any other costs involved in your property’s restoration.

If you become a victim of the torrential rain, hail and thunder that is predicted for the next few days, contact the professionals at Public Loss Adjusters and let us deal with every step of the claiming process for you. Our expert claim handlers will attend any meetings of negotiation with your policy insurance company, perform a full policy examination to ensure you are fully covered and we will work tirelessly until you receive your full entitlement. Don’t settle for less; settle for your full entitlement with Public Loss Adjusters.

Most Extreme Weather On Record Predicted?

Maybe it isn’t the time of year of freezing gales, harsh frosts and snow yet, but don’t worry they will come later on in the year. It’s the current climate that you need
to be aware of.

Due to a plunge in temperatures in the Atlantic Ocean, we are being threatened by a wash out summer, cold bone chilling blasts and torrential rains throughout.

Furthermore, the bizarre conditions in and around the Atlantic are causing an erratic and unstable climate for us to live in, basically its sunny one day and strong rain to next.

Well you are probably thinking, how will you be affected? Actually this will have an impact on the heat of your summer and how cold your winter is. Moreover, it is likely to cause higher temperatures on some days in summer and it is likely to cause very low sub-degree temperatures in the winter months.

Are Hotter Summers Actually As Exciting As YOU Think?

We understand that the thought of hotter summers and more snow in winter sounds exciting to many of you, but these rash changes in weather conditions and temperature can cause devastating damage to your property or properties.

Already this year, we have witnessed the devastating flood damage that occurred in Alyth, Perthshire, in which around 90 people had to evacuate their homes, 500 homes and businesses were left without power and many homes, businesses and cars were damaged beyond repair.

It is important to be prepared for the eventuality of fire, flood or any other type of property damage at your domestic or commercial premises’ by making sure you have a valid and fully suitable insurance policy taken out for property damages.

This covers you against the forthcoming extreme weather and it means that if the tragic event of property damage occurs, you can claim for a settlement for the costs for damages internally and externally at your property.

However, if you do unfortunately suffer property damage, Public Loss Adjusters are here to relieve you of the stresses of the property damage claiming process. This is because if you employ one of Public Loss Adjusters’ specialist claims handlers instead of the insurance company’s loss adjusters, they will work directly for you and not on behalf of the insurance company.

Public Loss Adjusters will work with only your best interests at heart, to ensure that you receive the full and accurate final settlement that you are entitled to.

They will gain your successful result through the use of skilled, proven techniques and procedures that they have used many times before to gain results in the claimers favour.

In conclusion, if you are experiencing property damage or if you do suffer from property damages in the future caused by this year’s predicted extreme weather, contact us now for insurance claims management, and one of our professional and highly skilled Loss Adjusters will help you.


Our New Branch In Ireland Is Coming Soon!

In order to make our company as accessible to you as possible, we are now in the process of opening a Drogheda, Co. Meath branch in Ireland. Also, to accompany the new branch in Ireland, we are designing an entirely new ‘ie’ website. We will be offering all the same services you get from our main branch, however Public Loss Adjusters Ireland is just a more localised section of our brand that will guarantee faster response times to the usually more difficult to access, remote towns and counties.

We have local numbers for various areas in Ireland, all of which will be available to find once the new website is launched. These numbers will mean you get a quicker response from a representative near you. This is one thing we truly understand is very important if you are experiencing an emergency at your home, as Public Loss Adjusters can now co-ordinate damage control far more effectively for our Irish clients.

Specialising In Irish Insurance Claims

Moreover, due to working for Ireland exclusively, Public Loss Adjusters Ireland can focus entirely on knowledge of the laws of Ireland, so the loss assessors working for you know exactly the correct and accurate way to get you your full entitlement while being in line and equal with the other Irish insurers.

Visit our Irish website here, due to be launched on 6th August: Public Loss Adjusters Ireland.


Flood Damage To Homes & Businesses in Alyth

If you live or work in Alyth, Perth, Kinross or any of its surrounding areas? You may have been affected by the recent destructive rainfall? Has it caused flood damage to your home or are you losing money because your place of work is inaccessible or has been damaged? If your property has been damage by the Kinross, Perth or Alyth flooding then Public Loss Adjusters can help you resolve these issues.

Public Loss Adjusters’ senior insurance claims management team have over 75 years of combined experience within the loss adjusting industry, and will work solely to make sure you receive the best possible outcome for your entitled to claim settlement. This successful settlement will be gained through our Loss Adjusters experience and knowledge of what is specifically required to get a positive and fair result.

As long as you are fully insured and a valid policy for property damage, Public Loss Adjusters can help you every stage of the process from the original phone call to the end result of you receiving a full and fair settlement. We will also provide you with regular updates of the flood damage help and advice and its proceedings towards to the end goal and closure you.

If you choose to appoint Public Loss Adjusters as professional claims handlers for your flood damage claim, the assigned Loss Adjuster/s will fully scrutinise your policy and make sure everything is in order towards achieving the desired result. They will also check if there is any add-ons to your policy terms that are not included as standard.

Moreover, when our specialist claims handlers will assess the small print in your policy to ensure that you are fully compensated on key point of your policy that may otherwise be overlooked without a trained eye

  • We will ensure that your personal flood damage and circumstances of loss are fully covered by the policy that you have taken out for property damages.
  • The amounts given by the insurance company and also by you the policy holder are fair and accurate to the damages occurring.
  • We will check that the maximum pay out for damages written up in your policy, fully covers the cost of the flood damage repair and any other fees included.
  • TWe will then make sure that every item of damage and any necessary extra information picked up on the initial flood damage assessment has been included accurately.

In conclusion, if have been affected by the floods in Alyth, Perth, Kinross, or any of its surrounding areas or have property near the A822 between Braco and Greenloaning that has been affected by the recent floods, call Public Loss Adjusters now on 08000 434 999.


Torrential Rains Cause Flooding in Aberdeen

Are you a resident of the city of Aberdeen in Scotland? Have you been affected by the floods caused by the torrential downpours? Has your home suffered flood damage or is it your business premises that has been flooded? No matter what property has been damaged, the Public Loss Adjusters can help you today.

The Public Loss Adjusters are an independent firm of highly skilled Loss Adjusters, with over 75 years combined experience, who will work solely on your behalf to gain you the best possible overcome on your claim. They will do this through the use of their experience and industry knowledge of what is required in a claim for it to have a successful result.

As long as you are fully insured, the Loss Adjusting experts will help you every step of the process of making a claim for property damage and provide you with full details about what they can do for you involving flood damage help and advice. They are specialists in property damage claims and therefore know what is required and what needs including to receive the settlement you’re entitled to.

The Loss Adjuster/s that deal with your specific claim, will do a full study of the policy that you obtain and read every inch of your policies terms and conditions. They will read up about any extra specified add-ons regarding your cover and make sure they don’t affect your chances of a successful claim. Additionally, when examining your policy logistics, the professional claims handler/s will look out for four vital points in terms of your policy;

  • That the specific circumstances of damage and loss are actually covered by the policy that you obtain.
  • That all items that are involved in your flood damage are included correctly in the claims listings and they will make sure nothing has been missed out for any reason.
  • That the amounts that the claimant and Insurance Company are proposing are fair and fully accurately.
  • That the maximum pay-out clause of your policy covers the full cost of damage caused by the flood and all restoration work that is required to be performed at your property.

Consequently, if you are a resident of the Polmuir Road, Market Street, the Hardgate, Portree Avenue, Froghall Road, Golf Road areas or any other location that has been affected by the recent Aberdeen floods caused by the horrendous rainfall, contact us at the Public Loss Adjusters today for help and advice.


Safety Checklist To Prevent Electrical Fires

Being aware of potential electrical hazards can dramatically reduce the risk of fire to your property. Read our guide on what to look out for to ensure that your property is protected.

Follow this simple checklist in order to ensure that you and your family are safe from electricals in your home:

1. Wiring

Check for frayed and worn wiring. Visible cables should be covered in a PVC case with no signs of damage, splitting or cracking. Damaged cables should be replaced as soon as possible.

2. Downlighters

Downlighters should be in good condition and the area around them unmarked. Any signs of overheating, discolouring or scorching means that it should be checked by a trained electrician.

3. Plugs

Plugs should not be damaged, display burn marks or produce excessive heat. If any of these happen, replace the plug or get the advice of an electrician.

4. Sockets

Overloaded sockets can cause fires. If too many appliances draw power from the socket, it can overheat and catch fire. Because of this, you should avoid using adaptors and extension leads and instead install extra sockets.

5. Light fittings

Light fittings should not be damaged. This includes any signs of cracks or burns. If you discover these, contact a trained electrician for advice on how to solve this.

For Free Insurance Claim Help and Advice Call Our Team Now On 08000 434 999 | 03337 333 999

Read our guide on what to do in the event of fire damage to your property >>>


Major Fire To Potentially Cost Millions of Pounds

A fire broke out in The Works bookshop in Week Street at around 2am on Sunday. The building was covered in flames across all three floors and specialist appliances were sent to the scene to join the 90 firefighters fighting the flames. No one was hurt but the store has been destroyed.

In total, more than 25 shops have been affected by the blaze including; Mothercare, Lloyds TSB, Boots Opticians, Thomson, Hotter, Clarks, M&S, WHSmith and more.

Mr Harrison, who is also the council’s emergency planning manager, said: “The Works will have to be completely demolished. The two on either side we would hope to retain as much of the structure as we possibly can.” He also added that Maidstone police station’s CID team are working on the investigation, supported by forensic officers.

Area manager at Kent Fire and Rescue, Steve Jeffery, said: “On arrival the whole building was engulfed in fire and the fire had already spread to the roofs of the adjoining properties. A large amount of damage has been done to the building which will have to be made safe before the lower end of Week Street can be opened to the public.”

Maidstone and the Weald MP, Helen Grant, commented: “My first reaction was one of horror. I think the emergency services have been absolutely tremendous. I think the difficulty now is balancing business continuity with community safety. Hopefully we can get the shops and businesses open as quickly as we possibly can. Many businesses around the country are now operating on shoestrings, things are getting better but it is still difficult so I’m sure there will be cost and profit implications as a result of all of this. There is devastation at the moment, a beautiful old building is just a shell now, but the phoenix rises from the ashes. We are a strong town, we will work together and we will rebuild, but it’s truly shocking. It could have been so much worse if there had been people inside.”

The town’s high street usually attracts up to 35,000 people a day, and the total insurance bill is expected to run into millions of pounds. Gary Rogers, director of Public Loss Adjusters Ltd, also puts the compensation figure in millions of pounds. Our specialist chartered loss adjuster also commented: “We specialise in representing the public not the insurance companies’ interests and here we are clearly looking at tens of millions of pounds compensation. Claims will include demolition work, re-roofing for others, refurbishment, stock and content loss, trading interruption, loss of income and in some cases relocation. And the longer it takes to get things back to normal; the more the bill will rise.”

For more information about the fire, please visit


Public Loss Adjusters YouTube Channel

In order to provide a better user experience, Public Loss Adjusters now have an official YouTube channel to bring you the latest news in video format. This makes our information easier to digest and more accessible to a wider audience. Our channel is accessible here: Public Loss Adjusters YouTube.

All videos have subtitles for the hard of hearing.

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