Sinkholes, rats and insurance claims

February 7, 2014 7:12 am

I’ve  just read about the extraordinary story of a car disappearing into a sinkhole in Buckinghamshire. I shudder to think what might have happened if the hole had appeared at another time – and looking at the photos, it seems that the occupants of the bungalow where the car was parked were lucky to escape unscathed.

Incidents such as this illustrate how you never know what’s going to happen and how you can’t prepare for the unexpected. And these extraordinary events can then lead to a difficult insurance claim.

We’ve seen all sorts of strange claims in our time, and read about others which are just as bizarre. We wrote some time ago about how stock in a warehouse of tic beans was completely destroyed by rats after burglars had made a hole in the base of a door. Other examples include when a dog put his tail in a tray of paint and then proceeded to ‘re-decorate’ the entire room and contents, and when a farmer was using a mobile phone as a torch to inspect the rear end of a cow and….yes, lost it in an unfortunate place. In all cases, the claimants received a full insurance pay-out because, although these events were unusual, they were genuine.

We help clients with unusual insurance claims, although the majority claims we manage are more predictable. But that doesn’t necessarily make the process any easier. People come to us for all sorts of reasons, but most commonly because it’s just too difficult for them to manage the claim by themselves. However we are always ready for the unexpected and unusual claim – as long as they are genuine.