No Fees Help With Property Insurance Claims

by Martyn Surridge

9:35 AM, 28th April 2015
About 5 years ago

No Fees Help With Property Insurance Claims

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No Fees Help With Property Insurance Claims

Hello All Help With Property Insurance Claims

I am posting here at the invitation of Mark Alexander (founder of Property118) to explain how you can get free help when making a property related insurance claim. I have been a member of Property118 for a few years and recently met Mark at the ExCel exhibition centre. This is my first post so please go easy on me.

My company is trialling Property118 sponsorship, we are in the business of helping people to settle property insurance claims. The plan is to submit articles every once in a while to explain how we have been able to help Property118 members to save time, money and reduce frustration levels when making property related insurance claims.

If you have ever had to deal with a property related insurance claim then you will be well aware how frustrating and time consuming it can be.

Help is at hand though, and it needn’t cost you money either! 😀

All you have to do if contact my company; we will send somebody to meet you, take details of your insurance policy or freehold management company and give you a contract to mandate the claim and the works over to us. You pay us nothing at any time; we make all of the phone calls, deal with the insurance company and the loss adjuster, neighbours, tenants, contractors, freehold management company (if applicable) and any other parties necessary. If your tenant needs to be re-housed we can deal with that too. We negotiate hard because we work for you, not the insurer.

Help With Property Insurance Claims

Below are some examples of how we help landlords …

  • Leak detection, e.g. leak from flat above damaging your property
  • Repairing water damage, e.g. damages caused by burst pipes or leaks
  • Storm damage
  • Flood damage
  • Fire damage
  • Impact damage, e.g. property hit by a car or falling tree

We recommend you to contact us at the earliest possible opportunity, but it’s not too late until you have agreed a full and final settlement.

When you make an insurance claim it is usual for insurance companies to appoint a loss adjuster. Their job is to save the insurer as much money as possible, even if that means you losing out. Loss adjusters will rarely look for hidden damage and will regularly ask you to obtain three quotes to get the damage put right. In many cases they will then offer a full and final settlement based on the lowest quote. If you accept a full and final settlement and further works are required the insurance company will pay you no more. Our role is to ensure the insurance company pay to have your property put right as soon as possible, after all, that’s why you buy insurance isn’t it?

We cover around 60% of the Country by land mass, 90% of the Country by population.

If you, or somebody you know, is unfortunate enough to have to claim on a buildings insurance policy you can rest assured that having us on side will help. Simply complete the contact form below and we will get straight back to you. Alternatively, please feel free to post a question below and I will be happy to answer it to the best of my ability.

All the best

Martyn Charles



Comments

Joe Bloggs

10:55 AM, 17th June 2015
About 5 years ago

Reply to the comment left by "Martyn Charles" at "28/04/2015 - 13:26":

MANY YEARS AGO I WORKED FOR MCLARENS CHARTERED LOSS ADJUSTERS. CHARTERED LOSS ADJUSTERS HAVE A DUTY TO ACT FAIRLY AND IMPARTIALLY UNDER THEIR ROYAL CHARTER (AS DO ALL CHARTERED ORGANISATIONS). IN FACT I THINK WE ACTED MORE THAN FAIRLY, PAYING OUT MANY DUBIOUS CLAIMS. THEREFORE, I DONT RECOGNISE:
'When you make an insurance claim it is usual for insurance companies to appoint a loss adjuster. Their job is to save the insurer as much money as possible, even if that means you losing out.'

TO THE CONTRARY LOSS ASSESSORS WERE KNOWN TO EXAGGERATE (LIE) ABOUT CLAIMS AND EARN THEIR MONEY FROM KICKBACKS FROM CONTRACTORS (THUS INFLATING EVERYONES PREMIUMS AND ENCOURAGING THE ABHORRENT CULTURE OF CORRUPTION IN UK THAT NOW SEEMS SO RIFE). THIS IS WHAT I THINK CHARLES REALLY MEANS BY:
'We earn our money on the repair work.'

ALSO, INSURANCE COMPANIES NEVER PAY LOSS ASSESSORS FEES. THIS IS EXCLUDED UNDER THE TERM 'WE WILL NOT PAY FOR PREPARATION OF A CLAIM'.

I DO ACCEPT THAT ALL LOSS ADJUSTERS MAY NOT HAVE BEEN IMPARTIAL AS THEY SHOULD, BUT GIVE THEM A CHANCE BEFORE APPOINTING AN ASSESSOR.

Martyn Surridge

16:28 PM, 17th June 2015
About 5 years ago

Thank you for your comments but you make some incorrect assumptions.

Firstly WE ARE NOT LOSS ASSESSORS and we do not get ‘kickbacks from contractors’ we are the contractor and like all contractors we earn our money for carrying out building work. We just happen to specialize in building insurance work.

If we feel that a client has been unfairly treated by their insurance company we will bring in a fully qualified, senior loss adjuster, who will act as a loss assessor on their behalf.

We have a good working relationship with most loss adjusters we deal with. Unfortunately many insurance companies these days are employing the services of unqualified surveyors whose sole purpose is to persuade the insured to settle the claim immediately in cash. In my experience this has never been to the advantage of the insured.

We are not in the business of inflating claims. Our aim is to agree a proper and fair schedule of works with the insurer. It is very rare that a proper loss adjuster does not agree our full scope of works.

Joe Bloggs

23:43 PM, 17th June 2015
About 5 years ago

Reply to the comment left by "Martyn Charles" at "17/06/2015 - 16:28":

HI MARTYN,

NOTED THAT YOU SAY YOU ARE CONTRACTORS RATHER THAN ASSESSORS, BUT:
'we make all of the phone calls, deal with the insurance company and the loss adjuster, neighbours, tenants, contractors, freehold management company (if applicable) and any other parties necessary. If your tenant needs to be re-housed we can deal with that too. We negotiate hard because we work for you, not the insurer.
SOUNDS EXACTLY LIKE LOSS ASSESSORS. YOU EVEN STATE THAT YOU DEAL WITH THE ...CONTRACTORS!

ALSO WHO OBTAINS THE OTHER QUOTES?

Martyn Surridge

7:54 AM, 18th June 2015
About 5 years ago

Reply to the comment left by "Joe Bloggs" at "17/06/2015 - 23:43":

Yes, great isn’t it. All that service for no fees.

If the insurer insists on a second quote then they or the loss adjuster will arrange it

Nick P

9:19 AM, 23rd June 2015
About 5 years ago

Hi Martin,
A quick basic question if I may, as I'm having some grief with a claim:

A burst underfloor water pipe, which needed pipe repair/replacement, concrete floor repair (where the pipe was buried) and new carpet (original carpet ruined by leak).

Question: I assumed that the carpet was covered by Property Insurance (is fitted); insurance company refusing, saying that I should have Contents Insurance to cover. They agree only to cover cost to repair concrete floor. Are they right?
Appreciate a brief answer.

Cheers

Martyn Surridge

12:16 PM, 23rd June 2015
About 5 years ago

Hi Nick,

Most insurers would classify carpets, including fitted carpets to be contents unless they are glued to the floor, which would be unusual. Seems unfair but unfortunately that’s the way it is. Having said that I would always add carpets to the list of repairs as some insurers do let it through, although they are in the minority.

Martyn

Joe Bloggs

19:53 PM, 23rd June 2015
About 5 years ago

Reply to the comment left by "Nick P" at "23/06/2015 - 09:19":

i agree that normal carpets are relevant to contents, not buildings insurance. however in order to effect the repair to the pipe it may be necessary to lift and relay the carpet. therefore, you may be able to agree an allowance with the loss adjuster if you dispose of the carpet yourself (thus avoiding cost of lifting/refitting).

Nick P

1:10 AM, 24th June 2015
About 5 years ago

Reply to the comment left by "Martyn Charles" at "23/06/2015 - 12:16":

Thanks Martyn and Joe

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