Morgan Clark Home Insurance news
2012: bumper year for insurance claims
2012 will be a bumper year for insurance claims, according to recent research. It’s going to be a year full of events which will almost certainly cause a surge in claims on household insurance.
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DIY leads to home insurance claims
DIY home improvement projects are leading to an increase in home insurance claims. But one insurance aggregator has warned that some insurance policies stipulate only professionally accredited tradesmen should carry out certain work.
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Prompter pay-out on insurance claims needed
Insurance companies should pay out more promptly on insurance claims, and should compensate claimants when this doesn’t happen. A change in legislation has been called for to overcome unreasonable delays in paying a valid claim.
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Energy prices add to risk of home insurance claims
Energy prices are soaring – and this is placing homes at risk of burst pipes. According to one survey, families across the country are arguing about when they should put the heating on.
Avoid insurance claims: simple precautions to protect your home
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Avoid soaring buildings insurance costs
There have been numerous reports recently about the soaring cost of buildings insurance premiums. But help is at hand: according to one website, there are several steps you can take to minimise the impact of rising prices on your family’s budget.
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Avoid unwanted animal visitors
Winter is approaching, and we’re all going to spend more time indoors. But we may not be alone: rodents and other vermin are also more inclined to try to get inside our homes. This can inflict serious damage – but is this covered by your household insurance?
Subsidence: are you covered?
A property owner recently discovered how home insurance can be a minefield as far as subsidence is concerned. Her insurance company has refused to pay out on her claim, as it believes she failed to disclose vital details when she took out the policy.
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Is your gold and silver under-insured?
The value of gold and silver has risen dramatically over the last decade. As a result, many householders may not have sufficient insurance cover when it comes to making a claim.
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Remember outside as well as inside
Most homeowners go to great trouble to ensure the inside of their home is fully covered by insurance, but they forget about the outside. Recent research has shown that too many of us are not covered for the contents of the garden.
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Reporting crimes
More than five million people have not reported a crime in case it drives away potential buyers or tenants for their property, according to recent research. But this could have a severe impact on the success of a home insurance claim.
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Avoid ‘woodpecker’ excesses
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Homes at increased risk of subsidence
The recent wet weather may not overcome some of the effects of the record-breaking dry Spring. In particular, there are predictions of huge increases in claims for subsidence, which has led to some insurers refusing to insure properties with pre-existing conditions.
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New insurance law would help consumers
A proposed change to insurance laws would make them much fairer for consumers. The new law would put the onus on insurers to ask the right questions rather than requiring consumers to volunteer the right information when taking out an insurance policy.
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Beware social media holiday postings
More and more of us are using social networking sites such as Facebook and Twitter to tell friends and family what we’re up to. And the growing availability of wifi connections in hotels and resorts means we’re all updating our accounts more frequently while away. But remember that this can also expose you to people who have a more sinister interest in your online posts.
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Holiday homes: are you covered?
With the holiday season approaching, many people with second homes will be welcoming holidaymakers into their properties. But they could be unwittingly flouting the law by not taking out appropriate insurance cover.
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Flooding: be prepared
Flooding is on the increase, and it’s now estimated that over five million people in England and Wales now live or work in properties which are at risk of flooding from rivers or the sea. There is some very useful information available to help you protect your property, and to advise you what to do should the worst happen.
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Why weddings are cancelled
The Royal Wedding has gone without a hitch – even the promised rain kept away. But for many others, there are a number of different reasons why they have to cancel at the last minute. One UK insurer has published a list of the Top Ten Reasons why couples claim on their wedding cancellation insurance – and these very much reflect the tough economic times we live in.
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Don’t let Royal Wedding street parties lead to disaster
The Royal Wedding is approaching fast, and many communities are putting final plans in place to celebrate together. But insurers have issued a gloomy warning which could take the shine off a street party.
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Homeowners warned about under-insurance
A leading UK insurer has issued warnings to homeowners about under-insurance. It estimates that 65 per cent of home contents insurance holders only estimate rather than accurately calculate the true value of their possessions – leaving them under-protected.
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Cheap home insurance: a false economy?
Taking out cheaper home insurance is a huge temptation – but it may also give a lower level of cover. This could have a significant impact if disaster strikes and you need to make a claim.
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Claims are getting tougher
Insurers are becoming much tougher about approving and paying out on claims, according to recent research. This makes it even more advisable to use an experienced and professional loss assessor to handle your claim.
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Check for hidden leaks
The recent extreme winter weather may have caused more damage than you realise, according to one UK utility company. It’s advising householders to check for ‘sneaky leaks’ around their property.
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Electrical Fire Safety
The first ever Electrical Fire Safety Week highlighted the dangers of overloaded sockets and overheated appliances. With over 60 per cent of all accidental house fires caused by electrical equipment, the campaign outlined the steps individuals can take to protect themselves and their families.
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Long holidays may negate your home insurance
A recent case has highlighted the need to read the small print on your home insurance policy carefully. Many insurance policies stipulate when and for how long you may leave your property empty and, if you contravene this, they may refuse payment.
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Too many claims….too little attention
The recent extreme cold weather has led to a massive rise in the number of insurance claims for burst pipes, and insurance companies are finding it difficult to cope. As a result, they are re-directing claimants’ questions to their websites – and this could seriously affect the likely success of an insurance claim.
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Home insurance at risk as flood defences cut
Vital flood defences are likely to be cut following the recent Comprehensive Spending Review. As a result, insurers are determined to end an agreement under which they will provide flood coverage as standard in home insurance policies in return for boosted government investment to protect at-risk areas against flooding.
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Insurers will get tougher on claims
Fake insurance claims are costing the industry over £800 million a year, according to the Association of British Insurers (ABI). Insurers are intensifying their war against cheats and, as a result, making a claim for a legitimate loss is becoming much more difficult. This makes using a professional loss assessor all the more important and can make the difference in ensuring a genuine claim receives the right settlement.
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Don’t tweet that you’re away
Be careful when you post personal details on social networking sites. One national newspaper has reported that insurers are refusing to pay claims if you have your home address on Facebook and then report on Twitter that you’re on holiday.
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Homes may be uninsurable against floods
The Local Government Association (LGA) has warned that recent cuts to flood prevention work may leave millions of householders unable to insure their homes against flooding. With one in six homes in the UK estimated to be at risk, this could be a serious problem.
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It’s winter: check your insurance
Now that the clocks have gone back, it’s getting dark earlier – and this puts your home at greater risk. Last November building insurance claims rose by 52 per cent as a result of incidents such as broken windows and damaged doors, while contents insurance claims were 20 per cent higher than the monthly average.
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Flooded home in Cornwall? Get our free Guide now.
If your home in Cornwall has been flooded, you face a difficult time. It’s hard enough to get your life back on track in the aftermath of such a terrible disaster. On top of that, you now also face the demanding task of making a complicated insurance claim. But help is at hand with Morgan Clark’s step-by-step Guide which will take you through everything you need to do to make your claim accurately and to ensure your property is restored correctly.
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A year on from Cockermouth
As the first anniversary of the devastating Cockermouth flood approaches, some people are still not back in their homes. Using a professional loss assessor to handle a flood insurance claim can cut the time you are out of your home by months, as well as ensuring your house is restored correctly.
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Do you know what’s in your home?
If your home is damaged by fire or flood, or if you are burgled, then the first thing your insurer will want is an inventory of the items you have lost. But how many of us know exactly what we have in our home?
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Long holiday? Check your home insurance
If you’re going away on a long holiday, you should check the small print on your home insurance policy to make sure you are still covered. Some policies only offer existing cover on properties which are unoccupied for a maximum of 30 days, while others limit it to 60.
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Building insurance disputes on the rise
One in five of complaints received by the Financial Ombudsman are about buildings insurance. In 2009, 3,437 complaints about buildings insurance were received, with 43 per cent of cases upheld in favour of the consumer.
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It’s getting harder to claim
It’s getting harder to achieve a fair insurance settlement, according a recent survey. Results from research carried out show that insurers are ‘tightening their belts with stricter interpretations of policy wordings’.
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Loss adjusters and loss assessors – who’s who?
You face a lot of confusion if you’ve suffered a disaster in your home and need to make an insurance claim. One area which is difficult to fathom is who does what and why – and in particular what is the difference between a loss adjuster and a loss assessor. Here’s a simple explanation to help you:
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Be ready for an insurance claim
If disaster strikes and you need to make an insurance claim, the sooner you start the process, the quicker you can start to get your life back on track. Here are a few simple ideas that will help you to kick-start your insurance claim:
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Beat your neighbours back indoors
As autumn starts to make itself felt, with torrential rains falling in parts of the country, the risk of flooding is back. If the worst happens and your home is flooded, then using an insurance assessor or loss assessor will enable you to move back into your house more quickly following a flood. It’s been estimated that using a professional claims handler for your insurance claim can cut the time you are out of your property by months, while also ensuring your house is properly restored.
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Turn a disaster into an opportunity
How can you turn a disaster into an opportunity in the wake of a fire or flood? One couple whose lives were devastated by a fire in their home have achieved this with the help of loss assessors Morgan Clark. They took the opportunity to make long-awaited alterations or extensions to their home which were carried out more economically as part of the overall re-instatement of their property.
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Most of us assume that we’re well insured
Most of us assume that we’re well insured and that there’ll be no problem when it comes to claiming what we believe to be the full amount of the loss or damage we may suffer.
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