Need Storm and Flood Claim Guidance?

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

Preparing for Bad Weather

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

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

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

Insurance Claim Help & Guidance

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

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

Warnings Issued For Local Flooding Alerts

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

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

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

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

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

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

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

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

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

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

Successful Subsidence Claims Settlements

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

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

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

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

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

Claims Management Companies Regulation

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

The ABI commented: “The current system i

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

So What Do Other Companies Think?

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

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

We Think it is About Time!

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

Commercial Extractor Fan Fire Nightmares

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

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

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

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

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

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

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

Dangers Of Unofficial Mobile Chargers

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

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

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

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

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

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

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

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

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

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

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

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

A Month Of Rain Expected To Fall In 48 Hours

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

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

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

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

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

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

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

Most Extreme Weather On Record Predicted?

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

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

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

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

Are Hotter Summers Actually As Exciting As YOU Think?

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

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

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

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

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

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

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

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


Our New Branch In Ireland Is Coming Soon!

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

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

Specialising In Irish Insurance Claims

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

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

Flood Damage To Homes & Businesses in Alyth

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

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

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

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

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

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

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


Torrential Rains Cause Flooding in Aberdeen

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

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

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

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

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

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


Safety Checklist To Prevent Electrical Fires

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

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

1. Wiring

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

2. Downlighters

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

3. Plugs

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

4. Sockets

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

5. Light fittings

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

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

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

Major Fire To Potentially Cost Millions of Pounds

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

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

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

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

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

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

For more information about the fire, please visit

Public Loss Adjusters YouTube Channel

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

All videos have subtitles for the hard of hearing.

No-Hassle Insurance Claims

The following article is from the Which? magazine, published in May 2015.

The Public Loss Adjusters AlternativeThe acid test of an insurer is how it handles your claim. Find out which treat you fairly, and which fight you all the way.

Some insurers can turn a calamity into a nightmare. If you’re claiming on your insurance, you’ve most likely already had a bad experience such as a car accident or a burglary. So unsympathetic staff, frustrating delays, shoddy repairs and miserly payouts can add insult to injury.
In our latest survey of members who’ve made a claim in the past two years, one in five were less than satisfied with their claims experience. One member told us he was left homeless for a year after a burst water main flooded his property; his insurer refused to pay for alternative accommodation and halved his claim. He describes his ongoing fight for a fair settlement as ‘a traumatic experience’.
Industry figures show that more than 4.5m car and home insurance claims were made in 2014. In our survey, 6% of car and 14% of home claims were fully or partially rejected – some undoubtedly for the right reasons. However, six in ten of those whose claims had been rejected didn’t take further action, mainly because they didn’t think it was worth the hassle or didn’t know what to do.

How to avoid claims hassle

Our research identified five common problems in the claims-handling process. Follow our tips on how best to avoid or deal with them.

  1. Delays

PROBLEM: Insurers slow to acknowledge claims, respond to communications, carry out investigations or reach decisions.

“Long delays, slow response to questions, zero feedback on progress.”

ACTION: Pick an insurer that scores highly for overall claims satisfaction, speed and customer service. Don’t be afraid to speak up if you’re unhappy about delays.

  1. Repairs

PROBLEM: Repairs that are poor quality or take too long to deal with. Frustration with the inability to choose your own tradesperson.

“(Insurer) arranged the repair at an incompetent garage who gave very poor service.”

ACTION: Most insurers have a panel of tried and tested tradespeople. Speak to your insurer if you’re unhappy with the chosen trader, or would prefer to use your own. It should be prepared to negotiate. You will probably be asked to obtain quotes for the work.

  1. Proof of claim

PROBLEM: The insurer will want evidence that the loss occurred, plus proof of ownership. But this can lead to disputes. If the insurer suspects fraud, this can lead to stressful investigations.

“I was made to feel like a criminal when I had been the victim.”

ACTION: Respondents were asked for proof in 81% of home insurance and 49% of car insurance claims. Keep receipts or invoices to prove ownership. Take photos of high-value items and any damage done. Report the incident to policy and get a crime number.

  1. Value of settlement

PROBLEM: Disagreements over the amount that the insurer agrees to pay out for a claim. Complaints that vouchers had been given instead of cash for items such as jewellery.

“They offered only £4,000 on a whole house of contents.”

ACTION: Keep a file of receipts for high-value items to prove their worth. Get an up-to-date valuation for antiques. Look out for policies that offer ‘new for old’ replacements.

  1. Policy small print

PROBLEM: Claims can be rejected if the policy doesn’t cover the incident being claimed for, or you haven’t complied with a policy condition.

“The rules they referred to in the policy document were very vague.”

ACTION: Before you buy a policy, check the details carefully so you know what it does and doesn’t cover. Most place responsibility on the policyholder to take all reasonable steps to prevent loss. For example, most car insurers won’t pay out if your car is stolen because you left the keys in the ignition. Watch out for single-item limits for unspecified valuables on home contents insurance policies, as items above that value won’t be covered. Choosing a Which? Recommended Provider will ensure you get good cover because Which? experts have analysed the policy and rated it highly.

Business & Commercial Claims

Learn More

Should I claim?

People with a history of claims are seen as a higher risk and are likely to pay more for cover. Of our respondents who had renewed with the same insurer following a claim, almost half noticed that their premium had increased.

You’ll need to weigh up whether it’s worth claiming or not. If the value of your claim is less than the excess, there’s clearly little point.

For minor damage it might be cheaper, in the long run, to repair without involving your insurer. But you’re legally obliged to notify your car insurer of any accidents, even if you don’t claim. And you must tell your home insurer about incidents such as burglaries.

How well does your insurer handle claims?

Between November 2014 and January 2015 we surveyed 1,440 Which? members who had claimed on their car insurance and 1,394 who had claimed on their home insurance in the last two years. Our tables show how insurers compare on claims handling.
We were surprised by Which? Recommended Provider John Lewis’s car insurance claims satisfaction score. It told us it receives largely positive feedback directly, but acknowledged that, ‘according to the Which? survey, there is room for improvement. We will be reviewing our procedures to ensure we offer customers the high quality of service they’ve come to expect.’



La Noche 500 Cannonball Run For Charity

Please Support Our Charity Event

The managing director of Public Loss Adjusters, Tony Mulligan, is taking part in a cannonball run throughout Europe for charity. Starting from the center of Britain, they will drive through Europe and arrive in the Costa Blanca in Spain.

They will be using a car worth no more than £500, a Reliant Regal van decorated to look like the “Trotters Independent Trading Co” Reliant Regal van, as used in Only Fools and Horses. Tony also be in character as Del Boy along with his sidekick Rodney throughout the entire journey.

Public Loss Adjusters aim to raise £10,000 for Macmillan Cancer Trust and all donations are highly appreciated. If you wish to donate, please donate here:

You can keep updated by following their progress on Facebook and Twitter.

Public Loss Adjusters wishes them the best of luck on their journey.

Contact Us Today

Unit 10
Sovereign Court

Phone: 08000 434 999

Loss Assessors

Insurance Claims Management

Head Office
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