At Odds with Your Insurer? We Can Help?

Is your insurer dragging their feet with your insurance claim? We are here to help.

There are continuously thousands of property owners who still have ongoing property claims mainly due to flooding, burst pipe and fire with their insurers. On top of everything else It can be an extremely frustrating and stressful time whilst your insurance claim is ongoing and your property needs cleaning up and repairing.

Your problems may become even worse if your insurance claim is being held up, in dispute or your insurer does not seem to be taking the matter with the urgency that you deserve.

What Difference Can You Make?

We Make all the difference simply by putting your interests first. Whilst your insurer may appoint a loss adjuster of their own to manage and assess your claim, the good news is that you are perfectly entitled to appoint loss assessors or a public loss adjuster to manage the claim on your behalf. In other words, they would be working for you rather than your insurer.

Simply put, your interests are far more important to us than your insurers!

Public Loss Adjusters are here to defend your rights as a paying customer for services that you have taken out with your insurer. Now that the worst has happened, the benefits of using the services that Public Loss Adjusters provide can make all the difference once your claim is settled.

With our insurance claims management services, we go above and beyond to ensure that our clients are completely satisfied with the services that we offer. We ensure that you receive your full financial entitlement and If required we can also arrange for reputable builders to repair your property.

Any building contractors that we recommend are only allowed to sign off the completed repair work once you have signed a satisfaction mandate. This ensures that you are entirely happy with the work that has been carried out.

Why Would I Need a Public Loss Adjuster?

Smaller insurance claims can usually be settled without loss adjusters and loss assessors getting involved as they can be pretty straight forward. Sometimes what may originally appear to be minor claim may not be as small as your think if you do not have the knowledge to assess it properly.

A larger insurance claim that could run into tens of thousands of pounds would usually require a specialist who knows exactly how to negotiate with your insurance provider. This would help to ensure that you receive your full entitlement based on the constraints written within your insurance policy.

If your home or business requires extensive repairs, our team of professionals are there to take the weight off your shoulders by organising repair work if you would like us to do so. Our loss adjusters will also deal directly with your insurer to ensure that you receive the settlement that you are entitled to.

In many cases we can help to ensure that your claim can be settled at a faster pace. By taking over negotiations, we can put pressure on your insurer. We can be there to promptly provide any information that your insurer may need to speed up the claim. Alternatively, we can continuously chase up your insurer to ensure that they are acting on the information that we have provided on your behalf.

Will I Receive A Larger Settlement by Appointing You?

Without the help of an insurance claims management expert, would you really know how much your insurance claim is potentially worth? If your insurer directly offered you a settlement figure would you be able to confidently say that it was enough to compensate you for the cost of your loss?

How do you know that your insurer is offering you your full entitlement? We can make all the difference because of our years of experience in managing claims. By dealing with insurers on a daily basis we will know how to calculate your entitlement on a case by case basis.

Our job is to ensure that you receive your full entitlement based within the constraints of your individual insurance policy. By fully examining the finer details of your policy, our loss adjusters are able to identify everything that you are entitled to and negotiate accordingly.

Many people come to us because their insurer may have initially offered a settlement that is way below expectations. Our job would be to provide evidence that supports your case and justify why the settlement offer needs to be improved to an acceptable amount.

How Much Do You Charge for Your Services?

Our services are offered in one of two ways. If you would like us to manage the claim on its own resulting in a cash settlement we charge a straight 10% (plus vat) of the final amount. There are no upfront charges as our fees are deducted out of the final settlement.

We also offer our loss adjusting services at no cost to you if you agree to appoint one of our recommended building contractors. With this option our fee is covered by the appointed building company.

What Do Your Clients Have to Say About Your Services?

“Amazing Support and Service From PLA”
“If it was not for John I would have likely been disserviced by my own insurance company who treated me poorly throughout the whole saga of getting my home back to living condition. John was amazing in getting the insurance company to do right by me.”

“I would recommend Public Loss Adjusters LTD to anyone”
“Sean (our loss assessor) was fantastic and helped myself and my family through this awful experience. He was sympathetic yet professional.”

“They helped mediate with the insurance company who were clearly just delaying our claim and not wanting to settle. Every phone call/email was answered swiftly by Sean and he managed to settle the claim with minimal involvement from our side.”

“I would recommend Public Loss Adjusters LTD to anyone who happens to unfortunately find themselves in the position we were in.”

Mr Patel
“They were brilliant”
“All very friendly and got the job done. It was nice having someone on our side.”

“It was the best thing that we ever did in using their services.”
“PLA managed to negotiate a much higher claim to enable us to rebuild our house than we were offered. Would definitely recommend.”

“They fought to make sure we got 100%”
“My family were given a temporary house while all the works were bring done and we didn’t have to do anything other than work with our own Loss Adjuster who was very particular and made sure we were updated and kept informed as well as hold our hand through the entire nightmare.”

“We would recommend anyone with a property claim to use Public Loss Adjusting Group they are well worth their fees.”

Mr Barrett
“A Trustworthy Private Loss Adjuster”
“My advice to people – do not hesitate to use their services, especially if you have a big claim and problems with your insurance company.”

Mr Michail
“I cannot thank you personally enough”
“Thank you so much for being there and always phoning me back or sorting something out for me this past year. You have fought constantly for us and I know how tiring mentally it must have been for you.”

“You had to maintain a lot of promises, however you pulled them through and delivered.”

“The claim was agreed at over £22,000”
“The initial offer from the insurer’s representatives was £940 which I knew was completely unrealistic. I appointed public Loss Adjusters and after their subsequent meeting with the insurers new loss adjusters the claim was agreed at over £22,000.”

“I would recommend to one and all”
“It was just like a DIY – SOS TV program. I only wish more people knew that there is help and advice available.”

“I would not normally endorse anything as I am a real picky old bat – but this was just fantastic”
“It honestly felt like someone lifted a HUGE responsibility of my shoulders and I could then concentrate on re-designing the kitchen/house. I received far more financially than I could have ever hoped to receive in addition to higher accommodation allowance, contents payments etc.”

Ms L Boa

Read more of our customer testimonials

Find Out How We Can Help With Your Insurance Claim

Don’t Settle For Less! Settle For The Best. If you would like to learn more about how Public Loss Adjusters put our clients interests above all else, please feel free to call our team of experts on 0800 434 999. Our helpline is available 24 hours a day.

The Latest Kitchen Appliance Fire Statistics

Did you know that there were more than 16,000 kitchen appliance fires from April 2012 to April 2017 in the UK alone?

Kitchen appliance fires have been a constant problem for Emergency Services with figures as high as 12,000 fires between 2011 to 2014 and the number of fires only seem to be on the rise.

All different types of household appliances can cause fires from tumble dryers and toasters to fridges and freezers electrical faults cause roughly 60 house fires a week in the UK. Household appliances need to be properly checked and cleaned on a regular basis to avoid potentially deadly fires.

The tragic events at Grenfell tower last year which claimed the lives of 71 people was initially started by a faulty kitchen appliance showing the serious risks that can occur. While most household appliance fires are fortunately not as severe this event shows just how dangerous these appliances can be and the importance of proper maintenance.

What is The Cost of Faulty Appliances?

Kitchen appliance fires can cause as little as £200 in damage all the way up to entire properties burning to the ground resulting in upwards of £100,000 of damages as well as the risk of possible harm to people and animals inside the property.

Washing machines are the most likely kitchen appliance to cause a house fire as they were responsible for at least 35% of appliance related fires between 2014 and 2016 with over 2,000 reported cases. House fires from appliances can start for a number of reasons such as faulty hardware from the manufacturer, damaged hardware from various everyday occurrences to simple dirt and grime build-up.

Public Loss Adjusters recommends a few quick and easy tips for general fire safety and to help reduce the risk of appliance malfunctions.
Make sure you have sufficient smoke alarms and they are tested regularly.

Smoke alarms are absolutely essential in keeping you safe in the event of a fire. We recommend a minimum of one smoke alarm per floor as well as fitting alarms in all potential fire-starting locations. Testing your fire alarms is crucial and should be done at least once a month.

Clean Machines Regularly

Washing machines collect a large amount of grime and lint over the duration of washing clothes so it is important for clean your washing machine to reduce the chance of fires and to help wash clothes more effectively.

Register your electrical appliance from The Moment of Purchase

Without registering your appliance, you will receive no notification if a recall order is put out on that faulty product, while a faulty product does not mean it is an extreme fire risk getting the appliance serviced will reduce the risk.

If you are unable to register the electrical appliance try using a free online checker

There are multiple websites that you can use to check any recall orders or other potential issues with specific electrical appliances simply put in the name and make of your product and any relevant information will be displayed.

Never leave a washing machine running without supervision

We don’t expect you to sit next to the washing machine for the full running time but simply having a person in the house while it is running means someone can supervise the cycle ensuring that any issues during use will be discovered before it has significantly affected the property. One thing we would recommend would be to never leave your property unattended whist you have a washing machine or tumble drier in use.

Help With Insurance Claims Resulting From White Goods Fires

If your property has already suffered from a fire due to a faulty kitchen appliance or any other electrical item, then we are here to help.

Our experts are here to ensure that you receive your full entitlement when you need our help with an insurance claim. We will manage all negotiations with your insurer on your behalf. Don’t settle for less, make sure you receive your full entitlement. In most cases our loss adjusters work on a no win no fee basis. Even if you just need a little advice, pick up the phone and give our experts a call now on 08000 434 999 or contact us via our contact page.

Introducing Property Defects

Public Loss Adjusters are proud to announce that we have launched a new sister company. Property Defects are a group of loss adjusters, surveyors and building repair experts to help with insurance and warranty claims for defective newly built properties.

If your property was built within the last 10 years and has an insurance backed warranty, we can now help with problems such as heave, subsidence, latent defects, damp or defective drainage. With this new service we are now able to offer our help and expertise to even more property owners who may need assistance with property claims.

Public Loss Adjusters believe that working alongside Property Defects will hugely benefit each and every one of our clients. It will benefit our clients in a various of different ways such as:

  • Being able to offer a range of professionals who can be appointed based on their specialist expertise.
  • Each company specialise in different areas so we can put our expertise together to benefit your claim.
  • Each company is well established and respected within the insurance industry.

Property Defects help thousands of people nationwide deal with problems such as subsidence and latent defects, they have a vast range of knowledge in property damage and can help you start and finish your claim in the fastest time possible.

What Property Defects Can Do For You

With their extensive knowledge in claims management, loss assessing, surveying and property reinstatement they will be able to offer guidance and support with every claim they may come across, whether it is big or small. Property Defects work strictly for you and not your insurer or warranty provider, this will be helpful to you as you have a non-biased factor overseeing the claim and ensuring it is just and fair towards both you and the insurance company.

When enquiring for Property Defects to come and evaluate the damage that has occurred to your property, they will pick a time and date that suits you best. They will also provide you with a fully comprehensive claims management service, so that they can take most of the stress off your shoulders and help speed up your claim dramatically. They also offer all these services on a strict no win no fee basis, so in the unlikely event of the case not following through you won’t be charged a penny.

If you have been as unfortunate to experience damage to your property that is totally out of your control don’t hesitate to contact either Public Loss Adjusters or Property Defects and get your claim underway today. If you would like to see more of the services that property defects offer why not look have a look on their website and see how they can help you

Burst Pipe Claims Crisis For Insurers

Insurers will soon be inundated with burst pipe claims due to adverse weather and thawing snow. Over the last week Public Loss Adjusters have been approached by hundreds of policy holders seeking help and advice due to properties suffering from burst pipes, flooding and storm damage. Find out how Public Loss Adjusters can keep your burst pipe insurance claim one step ahead by taking advantage of the services that we can offer.

Don’t Settle For Less! Call Public Loss Adjusters on 0800 434 999

With storms and sub-zero temperatures causing heavy snow and ice causing pipes to burst, water damage and flooding, many policy holders are starting to submit their insurance claims. The end of April and beginning of March will become a period of time that all major insurers would rather forget.

Home owners, businesses and local councils are now counting the cost of the unprecedented damage that has been caused by the Beast from the East and Storm Emma.

Just as homeowners and businesses think the worst is over, there are currently flood alerts across the whole of the UK due swelling rivers as the snow melts away. Scotland in particular currently has 7 flood warnings in place at the time of writing.

Even as the UK starts to recover, weather forecasters are predicting another storm aptly named as The Pest from the West to hit the UK mainland this weekend. Bringing with it more bitterly cold temperatures, heavy downpours of rain and up to 15cm of snow in Scotland.

Water Damage on an Unprecedented Scale!

Our Loss Adjusters and insurance claims management team have already been contacted by 100’s of worried policy holders mainly due to burst pipes within their properties. Many of our clients have suffered from burst pipes within the loft area causing substantial damage throughout their homes.

With reports of bowed ceilings breaking under pressure, water damage has spread through to plasterboard, furniture, appliances and flooring. Other external water leaks have caused damage to multiple neighbouring properties on the same streets.

There are many reports of flooding in schools and businesses across the UK. Many roads have been closed leading to dangerous driving conditions as the water turns to ice. Many towns and cities are currently suffering from water shortages and are providing water bottles until all the burst pipes are identified and repaired.

1000’s of Burst Pipes Throughout The UK

Throughout the country there have been 1000’s of burst pipe causing several millions of pounds worth of damage. Businesses have been forced to close, waiting for insurance loss adjusters to assess their losses whilst they count the cost of the damage that has been caused.

Hundreds of homes have been damaged by burst pipes. Public Loss Adjusters have in fact had numerous calls where the pipes have burst in the lofts of the policy holders’ homes. This has caused ceilings to buckle from the pressure of the water leading to flood damage throughout their properties.

Water Damaged Areas That Have Been Affected

Two of the largest employers in Birmingham had to temporarily stop production after a burst pipe crisis. Water supplies were cut to Jaguar Land Rover in Solihull and Cadburys Bournemouth site. On Monday Severn Trent Water confirmed that they didn’t know when the burst water pipe shortage chaos would come to an end.

Severn Trent have made bottles of water available to Birmingham residents who had faced water shortages in Harborne, Longbridge, Ladywood and Walkers Heath. They stated that the rapid thaw had resulted in an unprecedented number of broken pipes around the area.

Meanwhile the West Midlands Ambulance Service recorded its busiest day ever. In fact, they received over 5000 calls in one day. This was mainly due to heavy snow and people were ignoring other NHS services that were available, instead opting to dial 999.

Severn Trent Water have also been delivering emergency supply bottles to homes across Derbyshire as they fight to fix damaged water pipes that have leaked during the cold weather. Many homeowners who have been left with no running water will be offered compensation from Severn Trent.

This has also lead to Oswald’s Primary School, Brassington Primary School, Horsley C of E Primary School, Hague Bar Primary School and Crich Church of England Infant School to close.

Burton were experiencing either low water pressure or no water at all due to high demands. Residents had been asked to only use water if it is essential whilst they struggle to meet demands. Reports now confirm that the majority of water is now back on.

This follows residents of Sudbury and Doveridge being left without water for 2 days which was followed up by another major burst as Storm Emma continued.

Waseley Hills High School in Rubery had to close six science labs, four maths classrooms and two toilet blocks. This was due to a burst tank that had also leaked water into the power and heating systems,

In Bolton, St Catherine’s Academy had to close because of a leaking pipe due to cold conditions. Due to having no hot running water, parents were texted to pick up their children. Many businesses were forced to close due to flooding in the Market Place Shopping Centre. This affected many stores including The Vaults, The Lost Valley Adventure Golf Course, The Bank Restaurant and New Look

A burst water main led to a fire at Environmental Agency premises in Warrington. This was caused by water leaking onto an electrical installation.

Meanwhile in Lincoln city centre roads had to close due to a burst water main. Causing delays for motorists, Silver Street and Mint Street were closed whilst repair works were carried out. Again, local residents reported low pressure or not water at all.

A Tesco store in Nottingham city centre has had to close due to a burst water pipe. A sign on the door read “Due to a burst water main we are currently unable to open for business as usual. We apologise for any inconvenience this may cause.” The Maid Marian Way store had to close due to a water leak at a neighbouring property.

The Brize Norton Primary School in Oxfordshire had to temporarily close for the day after a water pipe broke in its hall. Thames Water also issued a warning of more burst pipe to come after the freezing temperatures make way for a rapid thaw.


Scottish Water have teams on location in St Margarete’s Hope area, South Ronaldsay and Burray today to try and locate the burst mains in those areas. In fact, they have been asking the public to pinpoint any water mains bursts in order for the water supplier to repair them as quickly as possible.

In Glasgow, residents have been left without water caused by a burst main in Hillhead. Many properties within the G12 postcode have reported discoloured water running through their taps. A flood alert is now in place as the snow begins to thaw.

In West Fife trains from Dunfermline and Rosyth were cancelled due to flooding. On Wednesday National Rail reported that flooding between Glenrothes and Cowdenbeath was causing disruption. Only one early morning train made it through the route.


In Wales a burst pipe had lead to water freezing, creating a spectacular 20ft frozen geyser in bushes on a field in Cwn Soden. Click here to see the amazing pictures pictures printed by Wales Online.

Also in Wales, thousands of properties were left without water due to numerous damaged pipes. Welsh Water received over 200 calls from customers who were affected by burst pipes from worried customers. On Sunday night people queued for bottled water as a burst pipe left many without a water supply.

Homes and businesses in Gwent were left counting the cost. The extreme weather had caused burst pipe and boilers to stop working. Penygarn Community Primary School in Pontypool and New Inn Primary School had to close due to boiler issues. Training Mind offices in Blaenafon suffered flooding from burst pipes and had to close.

Preventing Burst Pipes in Freezing Weather

What do Public Loss Adjusters recommend to prevent burst pipes during cold spells? We suggest the following when temperatures drop below 2 Degrees Celsius:

  • Ensure that your water tank is protected with an insulation jacket. This will help save on energy costs in the long term
  • Do not place loft insulation below the water tank as this will prevent heat reaching the rooms below and help the tank to keep warm
  • With thinner piping you should use thicker insulation. A 15mm or ½ pipe will need insulation that is between 25mm – 28mm thick. 1inch pipes will need insulation that is at least 19mm thick
  • It is always worth paying more for good quality insulation to protect your property
  • Pipes outside your property are exposed and should be insulated especially in unheated outhouses
  • If your pipes are not in use during the winter it is always better to drain them
How Can Public Loss Adjusters Help with Your Burst Pipe Insurance Claim?

Public Loss Adjusters would like to reassure policy holders that we are here to help each and every one of you who are looking for help in managing their property claims. Our insurance claims management experts are only a free phone call away.

We are glad to offer free help and advice if you require and can also manage your insurance claim to ensure that you receive your full entitlement. Once you appoint Public Loss Adjusters we can take over all negotiations directly with your insurer.

Working on your behalf we are here to put your interests first to ensure your claim is dealt with promptly and professionally. We can even recommend the contractors that we would use if we were in the same situation. All contractors we recommend are fully experienced in repairing properties that have been water damaged due to burst pipes.

If your policy includes alternative accommodation if required, and it is included with your insurance policy, we can arrange this on your behalf. We also have the ability to negotiate interim payments if needed to ensure that you are not caught short whilst your water damage claim is being negotiated.

If you need to make a claim please feel free to call Public Loss Adjusters on 08000 434 999.

Keep Your Chimneys Clean This Winter!

Have you swept your chimney recently? As the winter months draw in, you will most likely be using your fireplace to keep your home warm and cosy. However, you could end up with serious damage to your home from an unclean chimney – blocked chimneys can cause serious chimney fires that could destroy your home.

Chimneys should be swept depending on the fuel used by the fireplace. Smokeless, gas and oil fuels need to be swept once a year, bituminous coal should be swept twice a year and wood should be swept quarterly when you are using your fire. Remember that any work on gas appliances must be carried out by a Gas Safe engineer – always be safe with your gas appliances.

If your chimney is not swept, there is the possibility that soot left in the flue will ignite from the heat. This can cause serious damage to your flue as you use your fire. Furthermore, there may also be other debris inside the flue such as bird’s nests and cobwebs which can also make ignition more likely. Chimney fires can also cause carbon monoxide poisoning when the gases released by fires seeps back into the home due to a blocked flue.

Public Loss Adjusters recommend that you have your chimney cleaned as soon as possible – it is better to have your chimney cleaned later than never. Between sweeps, you should keep your fireplace or wood burner clean and free of ash and soot. It is also important to not use unseasoned wet wood – cooler smoke causes more soot and creosotes to build up in the flue.

You should also always use a fireguard if you have an open fire, as hot sparks can fly out of the embers. You should also never leave a fire burning unattended – ensure that you completely extinguish the fire before you go to bed or leave the house. If you use a wood burner, do not store logs right next to it – they could ignite with the heat from the burner.

The True Cost of Faulty White Good Appliances

Did you know that the cost of damage caused by faulty white goods is £118m in London alone over the last 5 years?

Information has just been revealed from the London Fire Department, which tells us that the British public have paid £118m for damage caused by white goods in the last 5 years.

White good appliances such as fridges, dryers and dishwashers are the most likely components to start a blaze inside your property. Each fire that these appliances cause cost the property owner around £57,000 – this figure has been released as an estimate from the London fire department.

The campaign to look into the damage that white good appliances cause and how much money they cost for the public came after a tumble drier set a tower block ablaze in Shepherd’s Bush. It took 120 firefighters to eventually kill the fire. Luckily no one was hurt, but a lot were left homeless.

There is at least one fire a day in the UK alone due to white good appliances. The London Fire Brigade alone have been sent to over 2,000 incidents in the past 5 years where white good appliances have been the focal point of the incident. London Fire Brigade have urged Whirlpool, one of the manufacturers, to send out a safety warning on all appliances that pose a fire risk, and to send out engineers or recall the products as soon as possible to prevent further fires.

Public Loss Adjusters recommend that everyone be careful when purchasing white good appliances and check to see if there are any fire safety warning on the product before you make the purchase. We also recommend that everyone who already owns the appliances check online or with the company to see if there have been any fire safety warnings placed on the product. When using appliances such as dishwashers and tumble driers, make sure you keep a keen eye on them and when leaving the property make sure they are turned off by the mains to prevent safety risks and damage to your property.

If your property has suffered from a fire due to a faulty electrical appliance, then we are here to help. Before you get in touch with your insurance company, call us first. We are here to manage all negotiations with your insurer on your behalf. Don’t settle for less, settle for your full entitlement. In most cases our loss adjusters work on a no win no fee basis. Even if you just need a little advice, pick up the phone and give our experts a call now.

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.

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Customer Testimonials

Yasmeen Hussain

Thank you so much Michael even though these words are far less for you. Anyone who is thinking twice please don’t hesitate you won’t regret it you will be in best hands possible I promise you.

Maya Odedra

Thanks to them we got our claim and everything worked out. They are all so friendly and honest and always there for us when we needed them on the phone or in person. Thank you so much. Really appreciate what you did for us.

Michele Desmond

Within 1 month of being appointed, he had secured an offer 10 times greater than the insurance company's original offer to us in settlement. Very professional service throughout. I would thoroughly recommend PLA.

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