Cheap Charger Catastrophes

If you have ever ordered a cheap charger wire for your phone or any other devices, then you could be at risk – the majority of people will look online to buy charger wires for cheaper, because buying an authentic wire could leave you out of pocket, but there is a huge risk when buying these cheap wires. Most of the wires purchased are made in China for less than 3p and although it may seem like a good deal at the time we assure you it is not.

Because of where they are made and how little they are made for, there are huge safety faults – they are put together poorly and made with poor components and sometimes are not fitted with safety features such as fuses. When using these cheap components, it can lead to serious health and safety issues; they can cause electric shocks, injury and also cause fires.

It’s also not the wires that could be at risk, plugs that are bought online for cheap prices also have health and safety deficiencies. When buying a plug, you should always check that there is at least 9.5 mm between the edge of the plug pins and the end of the charger. If the spacing is not correct it can lead to injury by causing an electric shock.

To avoid any damage the faulty goods can cause, we urge everyone to buy authentic chargers or chargers that are health and safety regulated by the UK standards. There are a few simple ways to check if the equipment you are buying is adequate such as:

  • Looking for manufacturer’s brand name or logo.
  • Look for the model and brand number on the device.
  • Check for a mark which will say ‘CE’. (Do not rely on this marking alone as it can be easily forged)
  • Check the output voltage and current ratings on your charging device match your mobile phone.

So when looking for a device please ensure all the health and safety regulations are met to avoid you or your family getting hurt or property being damaged.

Don’t Let This Happen To You!

Couple Waited Seven Years For Insurance Claim To Be Settled.

At Public Loss Adjusters, we know just how stressful and time consuming it can be when dealing with an insurance claim. Insurance companies are constantly dragging out claims and making them go on much longer than they actually need to. Here The Daily Telegraph has written an article on how a couple have been severely mistreated – they have been made to wait seven years for their insurance company to act on the damage that occurred all those years ago.

Homeowners and insurers are gearing up for another tough winter, as claims rise during the colder months.

Shorter daylight hours, increased rainfall and lower temperatures make damage more likely – and resolving some home insurance claims can be a long-winded and frustrating process.

Telegraph Money has been contacted by many homeowners who are still unable to return to their homes a year after the December floods last year, although insurers say most claims are now settled and most customers are back in their homes.

But sometimes poor-quality work results in people being stranded for even longer, as the case below illustrates.

‘I was told that I was making excuses, and the house was fit to live in’

No one knows the problems that can arise from mishandled claims better than John and Angela Padgett, from Doncaster, South Yorkshire.

The couple have endured a seven-year battle following a break-in that caused flooding at their home in November 2009.

The burglars caused extensive damage, smashing lavatory cisterns, breaking the basins and turning on taps and leaving them running. When Mrs Padgett arrived home, disturbing the intruders, the house was flooded.

The Padgetts moved out immediately. A surveyor from Crawfords, appointed by Aviva, their insurer, said the clean‑up operation would take three months, plus however long it took to dry out the house.

He appointed one of Aviva’s approved contractors and the work began. But that winter was the coldest since 1978. During the “big freeze”, temperatures in Yorkshire dropped to -10C and the house froze up.

Despite some reservations about the quality of the work, the Padgetts eventually moved back into the house in August 2011.

“I was beginning to have grave doubts,” Mr Padgett said. “But I was told that I was making excuses and the house was fit to live in. Immediately, we had a list of complaints.”

The couple were unhappy about small things, such as the bathroom fittings that didn’t match the ones which had been removed.

More serious, though, were the problems with the plumbing and the Aga stove.

The central heating was leaking, while the Aga worked only at a fraction of its full power, and no one could work out why. Finally, in September 2014, the water tank in the loft imploded, and the ceiling fell in.

An inspector from the water board came to inspect the house and told the couple that it was too dangerous for them to live there.

To make matters worse, it was found that the Aga, which had been damaged during the freeze of 2009, was leaking carbon monoxide and had to be removed.

In total, the couple were out of their home for 38 months. They finally moved back in May this year, but are still subject to constant investigations from builders trying to work out what has gone so wrong with the plumbing.

Mr Padgett said: “I want my house finished – and I want someone to stand up and say: ‘We’ve made a mistake.’

“I also want my life back. Seven years of life is not a video cassette. You can’t rewind and use it again. It’s gone.”

The couple took their complaint to the Financial Ombudsman Service last year and won.

A spokesman for Aviva said the firm was “keen to resolve the matter as quickly as possible”.

He said: “We have worked with Mr and Mrs Padgett to help resolve this claim, particularly the ongoing water pressure issues.

“We have appointed specialists to help resolve these issues and, on the advice of Mr Padgett’s surveyor, we are currently investigating the replacement of the existing water mains pipe to increase pressure to the property, which involves digging under part of the garden .

“However, we accept that there have been some areas of the claim which have not been managed as well or as quickly as we would have liked.

“Some of the repair work has been below standard, which has led to delays and further problems as these issues have tried to be resolved.

“These issues have been compounded by some contractors not returning to site to finish the work, so further contractors had to be found.”

He added: “In line with the ombudsman’s ruling, we offered £2,500 to the Padgetts and we have subsequently increased this offer to £3,000.”

Customers ‘still pressured into using poor-quality contractors’

James Walker of Resolver, a service that helps consumers complain about poor service, said customers were still being pressured into using an insurer’s own contractors, instead of finding their own.

This might be presented as being quicker and more convenient for the homeowner, but it can result in work of poor quality.

Insurers can often access cheaper contractors than homeowners can – and value doesn’t always mean quality.

“There is definitely still an emphasis on saying: ‘You should use our contractors’,” said Mr Walker. “I see it with car insurance, where companies offer customers a longer guarantee for using their own contractor.

“While a guarantee is good, you then often find they’re not doing the quality job you should expect.”

Customers who have problems with contractors or loss adjusters should take their grievances back to the insurer themselves.

This means there is evidence that you have flagged matters up early, which could be useful if a formal complaint is made later on.

Typically, an insurer’s first response to a claim is to send a loss adjuster or claims manager to the house to assess the financial impact.

They are often not expert in building and surveying and can misjudge the scale or cost of repairs.

Some claimants also experience delays of several weeks while contractors are appointed, meaning vital steps such as the installation of drying equipment are not taken.

Some companies seem to be learning, though. NFU Mutual has changed its focus to starting the repair work as soon as possible, instead of focusing on the cost of the claim, as has been more common for home insurers.

Mr Walker said some insurers had also improved their provision for flood victims as a result of the government-backed Flood Re programme.

This reinsurance scheme makes it cheaper and easier for homeowners in flood-prone areas to get insured.

As a result, insurers are forced to be more competitive, because their customers can shop around more easily.

When dealing with an insurance claim, make sure you do not make the same mistake that this unfortunate couple did – acquire the professional services of Public Loss Adjusters. We are constantly fighting your corner to ensure you get the best possible entitlement fee and to ensure that the claim is completed as soon as possible so you can return back to your normal routine. We know how stressful it can be when dealing with an insurance claim, so let us help you so you can get the best possible result.

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 7333 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

Beware Of Tumble Dryer Fire Risks

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.</s

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.

Contact Us Today

Unit 10
Sovereign Court

Phone: 08000 434 999

Loss Assessors

Insurance Claims Management

Head Office
Privacy Settings
We use cookies to enhance your experience while using our website. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. We also use content and scripts from third parties that may use tracking technologies. You can selectively provide your consent below to allow such third party embeds. For complete information about the cookies we use, data we collect and how we process them, please check our Privacy Policy
Consent to display content from Youtube
Consent to display content from Vimeo
Google Maps
Consent to display content from Google