Dental practice fire – £200,000 settlement

Location Northants

Customer Practice Manager

A fire caused significant damage to a community health centre in Northamptonshire. While the dental practice on the top floor did not suffer structural fire damage, it was badly affected by smoke and soot.

The insurer’s loss adjuster immediately agreed to cover the cost of relocating the practice’s six dentists, but challenged the need to replace valuable equipment and sterile fittings, claiming they could be cleaned and re-used.

The practice’s management realised it was going to be very difficult and time-consuming to handle the complex insurance negotiations and also manage the business during this stressful time. It therefore turned to Morgan Clark.

The claim

The loss adjuster insisted that equipment and fittings could be restored by cleaning. Morgan Clark brought in a specialist fire damage restoration company to inspect the practice and as a result presented an argument to the insurer for complete replacement:

  • There was likely to be considerable hidden damage to dental equipment.  Soot and smoke would have penetrated sealed units and over time this could lead to corrosion and ultimately equipment failure.
  • Patient hygiene was at risk: soot particles from overhead equipment, lamps and suspended ceiling panels could easily fall in patients’ mouths. This could lead to public liability claims in the future.
  • Manufacturers’ warranties would be invalidated if equipment was stripped down and cleaned.

The results

The insurer finally accepted the case for replacement of all equipment, fittings and ceilings and the extended temporary accommodation costs, with a final claim value of approximately £200,000. The practice was completely refitted and eventually the six dentists moved back into a fully-restored modern practice.

More Case Studies

Cambridge

Fire damage in thatched cottage

"Mr and Mrs Hampshire suffered a fire at their thatched cottage, which started in the middle of the night when the family were asleep. The accidental fire was caused by a lighter being ignited, which resulted in blankets and pillows catching fire and ..."

Read more

Cumbria

Flooded bakery in Kendal: £100,000 insurance claim for machinery, st...

"Ginger Bakers is a very successful specialist cake producer based in Kendal, Cumbria, supplying commercial outlets across the country. When Storm Desmond wreaked havoc across the north of England in December 2015, the bakery’s leased premises were ..."

Read more

Cumbria

Flooding at kitchen worktop manufacturer: £1.2 million claim

"Stoneworld is a very successful manufacturer of quartz and granite kitchen worktops, importing expensive materials from across the world and using sophisticated precision cutting machinery. Based in Kendal, Cumbria, it distributes its high-end produc..."

Read more

Carlisle

Using Morgan Clark a second time for flood insurance claim

"When the river Eden flooded in Carlisle in 2005, water poured through David Allen’s substantial five-bedroomed semi-detached home. There was extensive damage throughout the downstairs which was likely to result in an insurance claim of around £100..."

Read more

Doncaster

Flooding – £630,000 business interruption claim

"In 2007, the town of Doncaster was hit by two floods in very quick succession. A large trading estate was very badly affected, including a successful steel processing and stockholding company. Three of its industrial units on the estate were contamin..."

Read more

South Wales

Residential college fire – £1.5m buildings and contents claim

"When an electrical fault caused a major fire at the UWC Atlantic College in South Wales, one of the school’s boarding houses was almost completely destroyed. The College’s immediate priority was to re-house the 52 students who lived there, so it ..."

Read more