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When navigating the labyrinth of insurance terminologies, the term "Trace and Access" often emerges, especially in property insurance. But what exactly does it mean? Let's dive into the world of insurance to demystify "Trace and Access".

1. What is "Trace and Access" cover?

"Trace and Access" is a specific term used in property insurance, particularly in home or building policies. It refers to the coverage provided to locate the source of a hidden leak or similar issue within the property. Once the issue's origin is found (the 'trace' part), there's the subsequent need to access that problem to repair it (the 'access' part).

2. Why is "Trace and Access" Important?

Picture this: You notice a damp spot on your ceiling or perhaps discolouration on a wall. While the damage is evident, the cause isn't immediately clear. This is where Trace and Access coverage becomes crucial.

  • Protects Your Property: Without prompt intervention, hidden leaks can escalate, leading to structural damage, mould growth, or electrical hazards.
  • Saves Money in the Long Run: Addressing the root cause promptly can prevent more extensive (and expensive) damage later.

3. How Does "Trace and Access" Work?

When a potential hidden problem is identified, specialists may be called to determine its source. This might involve:

  • Using thermal imaging cameras.
  • Conducting pressure tests on pipework.
  • Removing parts of walls, ceilings, or floors.

Once identified, the issue can be repaired, and then any disruption caused during the search will need rectifying. The Trace and Access coverage should handle these costs up to the policy's specified limit, .

4. What Should Policyholders Be Aware Of?

  • Policy Limit: Most insurance policies will have a monetary cap on Trace and Access costs. It's vital to be aware of this and ensure it is sufficient for potential needs.
  • Not Always Standard: While many insurers include Trace and Access as standard, it's not guaranteed. Always check policy details and consider adding it if not included.
  • Difference from Main Claim: Trace and Access is separate from the main claim of fixing the resultant damage. For instance, while your policy might cover the cost of locating and accessing a leak, the resultant water damage repair would come under a different part of the coverage.

5. In Conclusion

"Trace and Access" is an essential facet of property insurance that provides peace of mind. It ensures that if there's a hidden issue causing damage to your property, not only can you claim for the damage itself but also for the costs of finding and accessing the problem.

In a world of uncertainties, comprehending the intricacies of your insurance policy can offer some assurance. With knowledge of "Trace and Access", you're one step closer to ensuring your home or property remains in prime condition, regardless of unforeseen challenges.

If you are affected but a water leak and need to make an insurance claim, it is advisable to enlist the help of a Loss Assessor such as Oakleafe Claims who will help prepare and present your claim smoothly and efficiently.

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When disaster strikes our homes, whether it's water damage from a burst pipe or storm damage to the roof, knowing how to navigate a home insurance claim can be pivotal. This home insurance claim guide dives deep into the key elements of the claim process, ensuring you're well-prepared.

How Long Do Home Insurance Claims Take?

Once you've reported damage to your home to your insurance company, you may be eager to know the timeline. The duration varies depending on the extent of the damage and the efficiency of your insurer. However, in some problematic cases, if there's a dispute about the claim, the Financial Ombudsman Service may need to intervene. This can extend the claim process.

What's the Role of a Loss Adjuster?

Often, after submitting a home insurance claim, your insurance company will send a loss adjuster. Their role? To assess the extent of the damage and determine the pay-out. They're an impartial party, so ensuring your damaged items are clearly catalogued will help this process.

Understanding Water Damage, Wear and Tear

Water damage can be a common reason for home insurance claims. But not all water-related issues are treated equally. While sudden occurrences like pipe bursts are covered, slow leaks causing wear and tear might not be. Always check the terms and conditions of your policy.

When to Pay an Excess and How It Affects Your Claims Discount

Most claims will require you to pay an excess, which is a fixed amount towards the repair or replacement. This excess can affect your no-claims discount, depending on your policy. Always discuss this with your insurer.

Accidental Loss or Damage: Is It Covered?

Most buildings and contents insurance policies cover accidental damage, but it's pivotal to call your insurer immediately. Reporting accidental loss or damage promptly can expedite the claims process.

Comparing Home Insurance Policies

After a claim, you might be tempted to compare home insurance offers. This is wise. Comparing ensures you get the best deal and the most comprehensive coverage for future incidents.

Key Takeaways:

  1. Always check the terms and conditions of your policy.
  2. Damage to your home should be reported promptly. Delays can complicate your claim.
  3. Understand that wear and tear, over time, may not be covered.
  4. Repairs or replacements are typically covered, but you may need to contribute via an excess.
  5. Always consider reviewing your policy annually, comparing offers for the best deal.

In conclusion, making a home insurance claim can be straightforward if you're informed.

it is important you check insurance policy key terms and the Glossary. Understand your rights, the roles of parties involved, and always keep the lines of communication open with your insurance company.

Related Claims and Topics

Lynsey's experience with Oakleafe Loss Assessors showcases the immense impact a dedicated and experienced loss assessor can have on the lives of those who have suffered the devastating consequences of a house fire. Through their unwavering commitment and expert guidance, Oakleafe Loss Assessors provided Lynsey with the reassurance and support she desperately needed during one of the most challenging times of her life.

If you find yourself in a similar situation, remember that you don't have to face the complexities of the insurance claim process alone. Reach out to professionals like Oakleafe Loss Assessors, who can offer the expertise and assistance needed to restore hope and help you rebuild your life after a house fire.

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Going on holiday this summer? We have put together our top tips to help you make sure your home is protected

Going on holiday this summer? We have put together our top tips to help you make sure your home is protected.

Now is the time of year that most people are preparing to jet off on their summer holidays; Holiday insurance is always high up on your checklist of things to do in preparation. However, we often assume our home insurance will be unaffected. Do you know what you need to do and the steps you need to take to ensure your policy remains intact and your home is protected?

Our Top tips when going on holiday to make sure your home is protected. -

We have listed our top tips to help protect and keep your home secure while you are away, leaving your only concern being which flavour of ice cream to have...

- Secure Your Home:

Lock all doors and windows to secure your home, and activate your burglar alarm or security system if you have one. If you don't, consider installing one. Many insurance companies offer discounts to homeowners who have security systems. Secure all external buildings garages, summer houses etc.

- Check Your Coverage:

Before you leave check your coverage, make sure your home insurance policy is up to date and covers the types of damages that could occur while you're away, such as water damage from a burst pipe or theft. Make sure you understand your policy's limitations and exclusions.

- Keep Up Appearances:

If your home looks unoccupied, it's more likely to attract thieves so try to keep up the appearance. Ask a neighbour or hire a service to pick up mail, packages, and newspapers, mow the lawn, and put out and take in your trash cans. Using timers on indoor and outdoor lights can help create the illusion that someone is home.

- Prevent Water Damage:

If you're going to be away during a cold snap, you might want to shut off your water and drain your pipes to prevent them from freezing and bursting causing water damage. Consider having a trusted friend or neighbour check on your home periodically to catch any potential problems early.

- Unplug Electronics:

Unplug unnecessary electronics and appliances to protect them from power surges and to save energy. This includes computers, TVs, and other large appliances that aren't necessary while you're away.

- Notify Your Insurance Company:

Some home providers recommend or require you to notify them if you're going to be away from home for an extended period so be sure to notify your insurance company. Check your policy or contact your agent to see if this is necessary.

- Keep a Home Inventory:

In case of theft or disaster, it's good to have an up-to-date home inventory. This includes photos or videos of each room and a list of valuable items with their purchase dates and prices. Store this inventory somewhere —like a fireproof box or online, or in a home safe —and bring a copy with you.

- Install Smoke Detectors:

If you don't already have them, install smoke detectors in your home and test them before you leave. Some modern systems can even send an alert to your phone if they detect smoke.

- Hold Off on Social Media:

Don't advertise your empty home on social media. You never know who might see a post about your vacation and decide to take advantage.

- Get to Know Your Neighbours:

If you're on good terms with your neighbours, they can be an excellent resource for keeping an eye on your property while you're away.

- Long holidays

Check your documentation as your policy may state that long extensive holidays where your home is left empty for more than 30 consecutive days can lead to repudiation.

Remember, the key to protecting your home while on vacation is planning ahead and taking precautions to make your home less attractive to thieves and more resistant to unforeseen incidents.

The Office for National Statistics shows that 42% of burglaries in England & Wales occurred when the occupants were not in their household. M&S Bank revealed that, on average, holidaymakers leave their homes unoccupied for ten days during the summer.

What to do if you have been affected by a burglary

If, despite taking these precautions, you have fallen victim to a recent home burglary and need to make an insurance claim, as the UK'S leading Loss assessor, we are here to help. We'll manage it for you, dealing with your insurer directly. Overseeing all meetings, investigations, and quantifications while keeping you fully informed, ensuring you get your full entitlement.

In the event of a claim, remember the name - call us on 0333 2101 999.

Click here for more info on Domestic Burglary Claims.

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Movo Awards 2023

Oakleafe Claims are delighted to announce that we have been nominated for the 'Claims Service Provider Of The Year Award' at the 2023 Movo conference. We are also a sponsor of the event and will be exhibiting on a stand during the day.

What is the Movo conference and award ceremony?

The Movo conference this year is taking place at Aviva St Helens in London on Thursday 20th April, with the awards ceremony following at Madame Tussauds the same evening. With an impressive list of leading insurers, broker members, Movo partners and industry professionals attending, the conference promises to be a busy and enjoyable day. There will be many opportunities for exhibitors and professionals across the industry to network, make connections and expand their knowledge. Having launched in 2019, the Movo awards ceremony will be a unique and special celebration of hard work and excellence in the industry.

Who are Oakleafe Claims?

Oakleafe Claims are the UK's leading Loss Assessors and have been giving professional insurance claim help since the first World War. If you are ever in the unfortunate situation of having to deal with an insurance claim, whether this be in your home or business, Oakleafe are on standby to give immediate help to get your life back on track. As the only party in the claim on your side, Oakleafe will look after your interests and deal with all the stressful meetings and investigations to ensure you get the most out of your claim.

Movo award nomination

It is a huge privilege for Oakleafe to be shortlisted for the 'Claims Service Provider of the Year Award'. Having won several top awards last year, we are super proud of everyone in the Oakleafe team to continuing to strive towards perfection in managing clients' claims, and hope their efforts are rewarded at the conference.

We look forward to both the conference the awards ceremony and seeing many likeminded businesses and wonderful people there.

Related Claims and Topics

Oakleafe Claims are looking forward to exhibiting at the South West Business Expo on Thursday 16th March. With over 2,000 people attending and 250+ exhibitors, the expo promises to offer lots of opportunities to expand business knowledge and develop new connections.

What is the South West Business Expo?

The South West Business Expo is the UK's largest one day business expo and showcases the best of the business community in the South West. Located at the Westpoint Arena in Exeter, Devon, the South West Business Expo is a hot spot for people to network with a large variety of business owners, professionals and gain expert knowledge and support to help grow and prosper. It is the 10th year of the event and there is many activities going on throughout the day, including keynote speakers, workshops, and speed networking.

Oakleafe Claims cannot wait for the South West Business Expo and look forward to showcasing our latest services and developing our business network whilst gaining valuable insights. If you are attending the event, be sure to come over and say hello to our fantastic team!

Who are Oakleafe Claims?

As the number one Loss Assessing company in the UK, Oakleafe Claims have dealt with a whole range of insurance claims ever since the first World War. We have experts in both domestic and commercial insurance claims, and are always on hand if you are ever suffer from a devasting event such as a fire, flood, or burglary. Oakleafe will always be by your side to ensure you receive the best during every stage of your claim. We will also use our extensive knowledge and experience to handle all the stressful meetings and investigations to ensure you get the most out of your claim.

Related Claims and Topics

Oakleafe Claims are delighted to announce that we have become corporate associate members of the British Damage Management Association (BDMA). The membership will enable us to continue pushing forward as industry leaders through ensuring the best standards are adhered to during the restoration stage of the insurance claim process.

About the BDMA

The British Damage Management Association are the certifying body for damage management professionals. They raise industry standards and provide training for practitioners and others across the wider insurance industry who are involved in the recovery and restoration of damaged properties, such as Oakleafe. The BDMA also facilitate recognition of specialist services in the recovery and restoration sector.

Oakleafe Claims BDMA membership

With generations of experience in dealing with incidents and perils such as floods, water damage, fire and smoke damage, the BDMA membership will provide a huge boost for everyone at Oakleafe. Client satisfaction always at the forefront of our operations and becoming corporate associates will allow us to provide even better services for those who have experienced a tragedy in their home.

Everyone at Oakleafe Claims is looking forward to working with the British Damage Management Association and seeing where this membership takes us.

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Oakleafe Claims stand the 2022 Broker expo

Oakleafe Claims are exhibiting at the 2022 Broker Expo on Thursday 10th November. The event is being hosted by insurance age and will see the largest insurers from across the UK stage their services. This is our first time attending the event, and with over 1000 brokers attending, it will provide the perfect opportunity to network with many like-minded professionals in the insurance industry.

What is the Broker Expo?

The Broker Expo showcases the very best insurance brokers and businesses in the industry. It is being held at the Coventry Building Society Arena.

With John Barnes and Ritula Shah attending as guest speakers, the event promises to be a great day for everyone involved.

Oakleafe Claims: Broker Services

If you are a broker, Oakleafe can help you through our portfolio of services. We can offer you a revenue generating policyholder focused claims management service as well as Pre & mid-term surveys to support your risk presentation to insurance companies:

  • VAR Surveys
  • Pre-Inception
  • Pre-Pay

We will be exhibiting on stand 94 all day, so if you’re attending, come over say hello, and see the latest broker services we have to offer!

Follow us throughout the day

Related Claims and Topics

In West Midlands and need help with your Insurance Claim? Give Oakleafe Claims a call. We provide insurance claims management services in all of West Midlands, so if you suffer a flood, fire, storm, burglary, or leak in your home or business, contact our expert team to get yourself back on track. We are on hand 24/7 as your local insurance claim specialists.

Oakleafe Claims in West Midlands

Oakleafe Claims are award-winning Loss Assessors operating all over the UK, including West Midlands. We have been helping people and businesses with insurance claims since World War 2 and so retain an enormous amount of experience in all types of claims. With a proven track record through a long list of clients who have been successfully assisted with their claims, Oakleafe are your first port of call should disaster strike in your West Midlands home or business.

Our services in West Midlands

Domestic Home Insurance Claims

  • Burglary
  • Fire & Smoke
  • Flood
  • Impact
  • Storm

Business Insurance Claims

  • Business Interruption
  • Fire & Smoke
  • Flood
  • Impact
  • Storm
  • Theft

Places in West Midlands we operate in

  • Albrighton
  • Aldridge
  • Amblecote
  • Aston
  • Balsall Common
  • Berkswell
  • Bliston
  • Birmingham
  • Blackheath
  • Bloxwich
  • Brierley Hill
  • Cotteridge
  • Coventry
  • Dudley
  • Edgbaston
  • Halesowen
  • Heath Town
  • Hockley Heath
  • Kingswinford
  • Lye
  • Oldbury
  • Rowley Regis
  • Smethwick
  • Solihull
  • Stourbridge
  • Sutton Coldfield
  • Tipton
  • Walsall
  • Warley
  • Wednesbury
  • Wednesfield
  • West Bromwich
  • Willenhall
  • Wolverhampton
Related Claims and Topics

Rising Reinstatement Costs

Rising reinstatement costs are important for homeowners to keep on top of, to ensure that your property is correctly Insured for the right amount.  

What Does Reinstatement Cost of Property Mean?

The reinstatement cost is how much it would cost to fully rebuild a property from scratch if it had been completely destroyed. It is imperative that these costs are correctly calculated in your Insurance policy so that in the event of a claim, Insurers can pay out the correct amount.

Changes in Labour Demand

According to the Builders Merchants Federation demand for building materials and labour remains strong, but there are the first signs of a slight shift in the balance of demand. Some regions are reporting a decline in the level of retail sales for DIY and home improvement projects; compensated however by higher volumes of trade sales. Insurance claim tender processes almost becomes obsolete when they are submitted with most contractors suffering from some form of under-pricing the moment they become approved.

Construction worker, in relation to current labour demands.
Changes in labour demands can have a large impact on reinstatement costs

Supply Chains Not Affecting Reinstatement Costs

The good news is that the supply chains remain stable, with full production and good availability of most products. Supply challenges continue to affect bricks, air Crete blocks, roof tiles, gas boilers, plastic drainage and other plastic products dependent on polymers, as well as some electrical products particularly those using semi-conductors. It is important for the policyholder to be made aware of these potential delays to a claim.

Inflation Increasing Reinstatement Costs

The rate of inflation remains the major concern. There are reports that some suppliers are only willing to hold quotes for tender prices for 24 hours. The resulting uncertainty is that contractors are unwilling to commit before entering fixed-price or long-term contracts. Insurers are aware of this cost leakage and should pass on the cost of the delays or rising prices.

As highlighted in previous statements, the volatility of energy prices has begun impacting the market. Some manufacturers of energy-intensive products are now warning of surcharges linked to energy costs. This issue is not limited to the UK; the cost of energy is impacting manufacturers across Europe, with reports of cement plants in Spain closing due to the latest increases. However, UK manufacturers are managing stocks and the supply chain to enable continued supply.

Material Prices Rising

UK brick and block stocks have also increased slightly during the quieter winter months but as the market accelerates in the spring it will be essential for builders to plan ahead and work with manufacturers to ensure timelines of availability.

Costs of bricks have increased slightly over winter, subsequently boosting reinstatement costs.

The boiler market has also been impacted by unprecedented demand coupled with supply chain challenges for steel, cardboard, plastics and electronic components. While availability will remain constrained over the summer months, manufacturers remain hopeful that the supply and demand will normalise by the end of the year.

Regarding plastic products, there are reports in some areas of shortages of raw materials that could lead to spikes in prices, but indications are hopeful that such matters may be sorted later in the spring.

Paints and coatings continue to be affected by ongoing raw material shortages recently exacerbated by further lockdowns in China and by the war in Ukraine. This is likely to affect prices, and possibly the availability of some products over the coming months.

After a turbulent 18 months, timber presents a positive picture with stable prices and plenty of stock in the UK, along with fewer problems reported with the ports and haulage. We note, however, that the market for MDF (medium density fibreboard) has seen marked price increases due to the soaring cost of oil derivatives which are key components in MDF resins and the melamine surfaces applied to such panels for use in kitchen and bathroom furniture. The rise in the prices of many materials will consequently push up the cost of reinstating properties.

Reinstatement costs impacted by war in Ukraine

Looking ahead, the war in Ukraine and the resulting sanctions on Russia and Belarus are likely to constrain the supply of pallets, birch plywood and OSB (oriented strand board). These countries are major suppliers of pallet wood and manufactured pallets, as well as large producers of the components of the resins used in wood-based panel manufacture including OSB. Russia is also one of the main sources of birch plywood, used in a variety of applications from transport and shop fitting to furniture and die cutting.

Other product areas that may be affected by the Russian invasion include ceramic tiles and sanitary ware, as Ukraine is a main source of supply for kaolin used in their manufacture. As reported previously, this group is also actively monitoring the indirect impact of sanctions on Russian steel, including heavy plates, coil and slab intended as upstream products for the EU market. Any shortages on the continent could have a knock-on effect on the UK market.

Ukraine trade
The invasion of Ukraine has had a big impact on the supply of many different materials.

The war is already impacting the global shipping industry. Many countries have banned ships associated in any way to Russia. More widely, shipping lines are suspending or changing bookings because of sanctioned cargo, and congestion at ports is increasing owing to more stringent customs checks. In addition, Ukrainian and Russian nationals account for 15% of the global shipping workforce; with President Zelensky calling for all Ukrainians to return to fight, a severe workforce shortage could soon become apparent.

What should you do about rising reinstatement costs?

It’s important when you are quantifying claims for reinstatement that you allow for fluctuating material and labour prices in your fixed sum tender processes. Failure to do so may leave you being underinsured. Use a Loss Assessor such as Oakleafe Claims who will prepare and present your claim allowing for inflationary rates in your settlement negotiations.

Related Claims and Topics
Electrical failures are the main cause of fires in a home. They make up 25% of all fires and commonly this is down to an electrical arc fault.

What is an electrical arc fault?

Electric arcing often occurs when there is a breakdown of dielectric strength. Dielectric strength is the maximum electric field a material can withstand in any insulating material in a live power system. Electrical Arc Faults can occur when there is an undesirable current flow in an unintended path.

House fire Tooting South East London
House fire Tooting South East London

Types of arc faults

There are two kinds of arc fault. Parallel arc fault and a Series arc fault.

Parallel arc fault

Parallel arc fault is when the current flows through damaged insulation from one conductor to another causing a leakage current that is too weak to be detected by a relay. The leakage current, travels in arcs to ease its passage through the insulation.

Series arc fault

A Series arc fault is when a single wire is broken apart and the current arcs gap across the conductor to complete the circuit. This in turn creates abnormal heat at the affected area, which degrades the insulation further and therefore can lead to the ignition of other material surrounding the insulation.

Each arc heats and gradually carbonises the insulation. Eventually the arcs ignite the carbonised insulation over time. Carbonised insulation acts like an accelerant fuel and is ignited by these electric arcs.

Leakages of current generate arcs that carbonise the insulation.  Carbonised insulation is an extremely good conductor of electricity. The cycle of arcing and carbon conduction gathers pace and intensity until the carbonised insulation spontaneously combusts which can lead to significant damage.

Get help with your fire Insurance claim caused by electrical arc

Dealing with the aftermath of fire damage caused by an electrical arc in your home is incredibly stressful. You will need an Insurance assessor if you want to receive your full entitlement after a fire. Oakleafe claims are loss assessors that will handle all aspects and prepare and present your claim to ensure you receive everything you’re entitled to whilst taking the stress away from you.

Call us today on 0333 2101 999.

Related Claims and Topics

For more than 30 years, the Federation Of Master Builders has monitored key market indicators and predicted future developments in the UK construction industry.

What is causing the delays in insurance reinstatement claims?

Delays to reinstatement claims has huge implications on other parts of an Insurance claim. Alternative Accommodation allowances are stretched, and this causes leakage on claim costs with related elements such as rental packs and storage costs. According to the FMB 82% of builders have delayed Insurance jobs due to a lack of materials or delays in them being available. 60% of SME builders undertaking reinstatement works have had to pause work due to a lack of skilled tradespeople and in total 89% of builders have faced delays due to either materials or skills shortages.

Labour shortages rising

While the struggle to hire a bricklayer or carpenter has eased slightly, shortages of general labourers, plasters and roofers are on the rise. The FMB states that the impacts of these shortages on their members businesses has affected builders mental health, with some even considering closing their businesses as a consequence of the current market.

Such is the shortage of personnel that 42% can’t even get hold of general labourers, which is up 6% on last quarter. A huge 97% of builders have faced material price rises, with 93% expecting this to continue into 2022. 

Get help with your insurance claims

With wait times for jobs high, policyholders may feel the pull of unscrupulous builders who seek to exploit the situation. It is at these times when a Professional should oversee the process. Loss Assessors such as Oakleafe Claims offer a project management add on to their claims management service for policyholders after a fire or flood. This will help to avoid the rise in rogue trading that are already being reported. All good builders are facing severe delays. The FMB has even inserted new clauses into their suite of draft contracts to reflect current market instabilities.

The insurance repair industry is not only affected by haulage issues limiting the supply of materials, and skills shortages, but the Government should come up with a comprehensive response. It should start by using the Spending Review and Budget to back a national skills strategy for the construction sector. Until there is an overturn of decades of neglect when it comes to encouraging young people towards a career in construction, there will be little new talent. Prices will continue to rise, and this will have implications on sums insured and premiums. 

If you need help with your insurance claim, click here to visit our contact page and get in touch.

Related Claims and Topics

Thatched roofs, with their quaint charm and historical significance, are a quintessential feature of the British countryside. However, owning a thatched property comes with unique challenges, especially concerning fire risks. This article discusses the challenges of thatched roof fires. It also highlights the significant role played by Oakleafe Claims in assisting homeowners with their insurance claims.

1. Are Thatched Roofs a Fire Risk?

Thatched roofs do pose a higher fire risk compared to conventional roofing materials. The nature of thatch, typically straw or reed, makes it more susceptible to ignition. While the external layers of a well-maintained thatch roof might resist initial flames due to their density, once a fire takes hold, it can rapidly engulf the structure.

2. Common Causes of Thatch Fires

The predominant causes of thatch fires include:

  • Faulty electrical installations
  • Chimney issues, particularly inadequate insulation of chimney pots and chimney bricks
  • Sparks or flying embers from a log burner or open fires and wood burners
  • Improperly installed log burners or multi-fuel stoves

Understanding these risks is crucial for prevention and ensuring compliance with building regulations.

3. Making Thatched Roofs Fireproof

While it's impossible to make thatched roofs entirely fireproof, certain measures significantly reduce the risk. These include installing chimney flue thermometers, using fire retardant materials, regular maintenance of chimneys, and adhering to safety guidelines for open fires and wood burners.

  1. Regular Maintenance of Chimneys: Ensure chimneys are swept regularly by a professional to prevent soot build-up, which can lead to fires.
  2. Install Chimney Flue Liners: Use quality flue liners to prevent heat transfer from the chimney to the thatch.
  3. Use Spark Arrestors: Fit spark arrestors on top of chimneys to catch any escaping embers or sparks that could ignite the thatch.
  4. Electrical Safety Checks: Have all electrical installations in and around the roof inspected regularly by a qualified electrician to prevent electrical fires.
  5. Fire Retardant Treatments: Apply fire retardant treatments to the thatch. These treatments can significantly reduce the risk of fire.
  6. Safe Use of Open Fires and Wood Burners: If using open fires or wood burners, ensure they are installed correctly, and always use a fire guard. Preferably, use modern, enclosed wood burners that are less likely to emit sparks.
  7. Keep the Roof Clean: Remove any build-up of leaves, moss, and debris from the roof, as these can be potential fire hazards.
  8. Install Smoke Alarms: Fit smoke alarms in the loft and throughout the property for early detection of fires.
  9. Fire Safety Plan: Have a clear fire safety plan for your property. Ensure all family members and residents are aware of what to do in case of a fire.
  10. Insurance Compliance: Check with your insurance provider for any specific fire safety requirements or recommendations they may have for thatched properties.

4. Open Fires in Thatched Houses

Having an open fire in a thatched house isn't recommended. If unavoidable, it's essential to follow strict guidelines and use appropriate fuel types to minimize risks.

5. Insuring a Thatched Roof

Securing house insurance for a thatched property can be challenging. Insurers often consider these homes high-risk, impacting the type of insurance and coverage offered. It's vital to understand insurance terminology and ensure that the policy covers thatch-specific issues.

6. Combustion Rate of Thatch

Thatch can burn rapidly once ignited, making early detection and response critical. Thatch fires spread quickly, so it's important to have strong fire safety measures and insurance. Failure to do so could result in a huge financial loss

7. Insurance Costs for Thatched Cottages

Thatched cottages are typically more expensive to insure. The increased risk of fire and the cost of specialized repairs contribute to higher premiums. It is advisable to explore the insurance industry thoroughly reviewing the various insurance products offered in the insurance industry, including commercial insurance, property insurance, and liability insurances, to find a comprehensive cover.

Case Study: The Role of Oakleafe Claims in a Thatched Roof Fire Claim

John, a homeowner in rural England, experienced a devastating thatch fire. Despite having insurance, navigating the claim process was overwhelming. He contacted Oakleafe Claims, a professional loss assessor, for assistance.

Oakleafe Claims stepped in to provide expert help with the insurance claim. They conducted a thorough assessment, documenting the extent of the damage and liaising with the insurance company. Their expertise in insurance claim management and understanding of insurance covers, including wear and tear and repair or replace clauses, proved invaluable.

Most importantly, Oakleafe Claims acted as John's advocate, ensuring that the insurance company adhered to the Financial Conduct Authority's guidelines and offered a fair settlement. The loss assessor's involvement led to a more efficient resolution, helping John receive adequate financial compensation to restore his home.

This case highlights the significance of professional indemnity insurance and the benefits of having a knowledgeable ally during such challenging times.

Conclusion

Thatched roof fires are a serious concern for homeowners, posing unique challenges in both prevention and recovery. Understanding the risks, taking preventive measures, and ensuring proper insurance coverage are essential steps in safeguarding these beautiful yet vulnerable properties. In the unfortunate event of a fire, seeking professional assistance, like that offered by Oakleafe Claims, can make a significant difference in managing insurance claims, alleviating stress, and ensuring fair compensation. By staying informed and prepared, owners of thatched properties can continue to enjoy their historical charm with peace of mind.

Related Claims and Topics

Having a disaster in your home or business, is to say the least, a very traumatic experience and now you have the responsibility with dealing and submitting a complex and difficult Insurance Claim.

Fortunately, you have prepared well. The good news is that you have a strong insurance policy covering you against such circumstance, you have paid your premiums on time, year after year.

Unfortunately, the bad news is that the impending insurance claim you’re about to make will often seem more frightening with great difficulties and stress in comparison to the actual disaster.

Why are Insurance Claims Difficult?

Insurance Claims are Difficult because it the responsibility of the policyholder to prepare and present their claim to the Insurance Company. This could often mean you would have to quantify and justify every single aspect of the loss while trying to keep things afloat.

Insurance companies would send out their own Loss Adjuster whose sole responsibility is to represent the Insurance’s interest and investigate the cause of the incident. Additionally, they can try to interrogate you and find any possible faults which might be used to deny the claim.

Difficult Insurance Claims Lead to Repudiation

Did you know that 1 in 5 Home Insurance Claims are Repudiated (Not Paid Out). When facing difficult Insurance claims, it is common when policyholders do not not read the fine print in their insurance policies and may often find they have not met some of conditions in a policy.

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Loss Assessors can handle Difficult Insurance Claims

Loss Assessors work and represent the policyholder in the event of an Insurance Claim. Loss Assessors are independent Insurance Claim experts who can take the stress away from your claim. They work for you the policyholder, and only you. They can use their expertise knowledge and skills to deal with Difficult Insurance Claims. Loss Assessors will aim to get everything you are entitled to.

Click Here to read more about Loss Assessors

How Oakleafe Can Help with Difficult Insurance Claims

Oakleafe is the only party in the claim process which is on your side. Insurers appoint their own specialists to look after their interests to limit the levels of their liability. We are interested exclusively in your interests, to ensure you receive everything you are entitled to under the policy.

Having handled hundreds of complex and difficult Insurance Claims with the experience of over 8 Generations. We are confident to handle all the claim process from the beginning, until the end. where we can negotiate and ensure you are returned to a pre-loss position.

Every single claim will be unique in a certain way. Whether you have experienced a Flood or a Fire & Smoke Damage, we are able to handle all aspects of the claim.

Process in an Insurance Claim

As Insurance Assessors, we take our clients through every step of the Insurance Claim and we keep them up to date with every progress made. Difficult Insurance Claims can potentially be very complex but have made a quick list below that summarises the average process in handling an Insurance Claim.

  • Notification - After an incident your Insurance Company needs to be notified of the incident.
  • Mitigation - All policies place a responsibility on the policy holder to mitigate or prevent the damage from worsening.
  • Appointing an Assessor - Our experienced in-house Assessors would be assigned to your claim who will use their wealth of experience to manage all aspects of the claim.
  • Restoration - Depending on the type of claim, a professional restoration approach would be undertaken to ensure material damage is kept to a minimum.
  • Scope of Specification - Charted Surveyors, Structural Engineers, Contamination Experts and other professionals prepare detailed quantification of the loss. All reports and claim documents would then be submitted to the insurer.
  • Negotiation - We will undertake all meetings, phone calls, communications and negotiations to achieve a satisfactory settlement.
  • Approval - Once Insurers or their representatives approve the claim we prepared and submitted to them, funds are released to enable works or professional services to commence.

If you require any information, feel free to contact us and we would be happy to help you!

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Domestic Insurance Damage Claim

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Insurance Policies are designed to help cover loss during a disaster in a home or business. But they require conditions to be met by the policyholder. Disasters cannot always be avoided buy we have come up with a list of common disasters and ways minimise and identify some of the potential dangers in your home.


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How to How to Prevent Fire Disaster

Fires can be catastrophic with overwhelming consequences in just a matter of minutes. They can be easily prevented with a few simple measures and checks. Please follow the list to ensure that you minimise the chances of a fire in your home:

“Did you know, just over half of home heating fire resulted from fires caused by heating equipment too close to things that can burn, such as upholstered furniture, clothing, mattresses or bedding.”

  • Smoke Alarms are cheap and very easy to install, you are 4 times more likely to survive a fire if you have a functioning smoke alarm. Do not forget to test your smoke alarm regularly and change the battery if required.
  • All Appliances should have an CE marking for safety standards.
  • Old Cooking Appliances Should Be In Good Condition: You should make sure that old cooking appliances are well looked after and are in good working condition. Each year many fires start due to heating equipment that hasn’t been maintained.
  • During winters, electrical heaters can be often useful to quickly warm up, but they must be kept clear of any sheets, window curtains or any other ignitable materials.

For additional fire prevention and knowledge, please visit your local fire services for free advice. If you have had a home fire, click here to see how Oakleafe Claims can help you.


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How to Prevent Weather Damage:

Although we cannot control the weather. There are still many things which we can do so that we can reduce the risks, or even prevent some of the potential problems that might occur during bad weather.

  • Clear Guttering: During a stormy weather a clogged gutter can potentially cause problems on your roof that can lead to leaks.
  • Plumbing should be in good condition to prevent pipes from freezing with the potential of a burst pipe and escape of water.
  • Broken or loose roof tiles should be fixed as this can prevent leaks and potentially prevent other tiles from breaking during a bad storm.

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How to Prevent Theft:

Anyone who has experienced burglary in their home will tell you it makes you feel violated, apprehensive and at a loss of your next move. There are different ways that can potentially detour thieves

All Entrances are secured and avoid leaving a spare key under a door mat or somewhere hidden.

  • Fences and other Entrances are well maintained, broken or unmaintained entrances can open vulnerabilities.
  • High Value Items like Jewellery are kept in a safe or out of sight.
  • Consider CCTV and/or Smart Home Security Systems – Just the sight of camera or the alarm is enough to detour most thieves.

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How to Prevent Burst Pipes

Pipes freeze because frozen water takes up more space inside your pipes than its liquid form, expanding and causing the metalwork to buckle.

Fact: A large portion of burst pipes occur in the winter due to a drop in temperature.

Here is a list of things you can try to prevent burst pipes.

  • Consider Lagging all internal pipework – in particular, pipes in lofts.
  • Watch out for changes in your home, drops in boiler pressure or discoloration to floors could all be signs of a leak.
  • Insulating your pipes and water tanks to prevent them from freezing.
  • Turn off water if you are going away

Engage a Loss Assessor:

Loss Assessors are independent Insurance Claim experts who can take the stress away from your claim. They work for you the policyholder, and only you. Using their expertise knowledge in Flood DamageImpact DamageFire Insurance Claims and Theft Insurance Claims, they have the skills to handle your Insurance Claim from the beginning to your pre-loss condition. Loss Assessors will aim to get everything you are entitled to.  It is important to engage a Loss Assessor as early as possible as they can ensure the entire process proceeds in the correct manner and your claim is not prejudiced negatively.

Fire Fact Source: http://www.firstalert-online.co.uk/fire-safety-facts/

Related Claims and Topics

Having to experience an incident such as Fire, water or theft can be extremely frightening. On top of that, you begin to worry about the long daunting process of making an Insurance claim. By following this list, you would have a better understanding of how an insurance claim is handled.

1 . Safety and Mitigation

Before you even consider making an insurance claim, safety is a number one priority. It is YOUR responsibility to mitigate any of the damages or loss to ensure the premise is safe.

  • For water damage: Electrical safety needs to be carried out and checked by a qualified electrician before you can go back into the premises.
  • For fire damage: A qualified Surveyor has to analyse the building and see if the fire has compromised any of the structure.

2. Alternative Accommodation Or Business Relocation

Temporary living space or business premises may be required for you immediately after the incident. We have emergency networks for Estate managing agents & property managing agents to assist in the procurement of temporary premises.

You need to organise this, and the costs need to be justified. In addition, these can help if the claim progress extends to a large period of time.

3. Seek Help From A Loss Assessor

Loss Assessors are professionals in Insurance Claims Handling. They handle all aspects of the insurance claims process from start to finish. As a result, The process of Making An Insurance Claim becomes easier as they take away most of the stress from the often long and complicated insurance claim Process. Furthermore, they will be conducting regular meetings with the Insurance Loss Adjuster to prepare the Insurance claims case.

4. Notifying Insurers and meeting their Loss Adjuster

The Insurance company must be notified Immediately of the incident. When making an Insurance Claim all of them should have 24 hour help line which you can call any day of the year.

Insurance Companies appoint their own Loss Adjuster to look after their interests to limit the levels of their liability. They will handle all investigations and negotiations on the Insurance’s behalf. The Loss Adjuster will assess the damage, interview you and search for previous claims history. If the claim is large, they can also instruct private forensic scientists to investigate the cause of the incident.

5. Emergency Contractors

Emergency contractors are professionals who carry out emergency works to mitigate the damage. They will Implement safety checks on the property. Boarding up windows and doors. Consequently verifying that the property is safe and damage wont exacerbate.

Insurers will not agree to any settlements of work until they are satisfied with the works done to eliminate any potential danger. Insurers will not pay until they are happy with your claim justification.

6. Scope of Works

Using a quantified surveyor will assess the damage your premise and they will compile a detailed scope of works. Consequently these scopes will prove specifications and requirements for the reinstatement of your premises.

7. Negotiations with the Loss Adjuster

During the negotiations, the Loss Adjuster will discuss the entire claim and will require many details and scopes. This includes any additional costs such as; emergency accommodation or business Interruption.

Choosing to use a Loss Assessor will reduce the burden and get you what you are entitled to. They will negotiate with the Insurance company representatives (Loss Adjusters etc) throughout the whole claim. Most of all, Loss Assessors will usually obtain the best possible settlement that you are entitled to, more so than you would do yourself.

Conclusion

Making an insurance claim can often be a long and complicated process. This can take away valuable time from the things you should be doing, like taking care of your family or business.

Did you know that 1 in 5 Claims are Repudiated when policyholders attempt at making an insurance claim by themselves.

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Importance of Independent Insurance Professionals

When informing your Insurance Company after you had a fire or flood. You need to make a claim and the very first thing the Insurance Company will do is to appoint a Loss Adjuster from their panel to protect their interests.

SO WHAT IS A LOSS ADJUSTER?

A Loss Adjuster is sent to protect the insurance company and assess your claims validity. They are not Independent Professionals as they work for the Insurance Company – not for you. The Loss Adjuster will either accept or repudiate (refuse) your claim on behalf of the insurer. They will not prepare or offer advice on what you are entitled to. This is YOUR responsibility.

If your fire, flood, storm or subsidence claim is accepted by them the loss adjuster will usually appoint one of their in-house surveyors to scope the repairs. They give the impression of impartiality. In fact the surveying arm of the loss adjuster’s firm may have a different name but they both are part of the same company.

This allows Insurers to control what they scope and keep costs down for the insurance company. It also gives the loss adjusting firm another opportunity of making money from your claim through management fees paid for by the insurance company.

Is There A Conflict of Interest?

Once the Loss Adjuster’s surveyor is on board the surveyor will then appoint a contractor from their contractor network. Their contractor will pay a commission back to the Loss adjuster. This may appear to be a conflict of interest but the insurance company are happy because again they can squeeze the prices.

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Most of these contractors have to work to a price not a quality. These rates which are offered to the contractors are not market rates and are massively lower than what a quality builder should be getting for the job. These contractors rely on quantity of jobs to stay afloat. As a result the quality of work suffers. Experience shows that these main contractors usually passes the work to cheap sub-contractors, which means this sub-contractor has to cut corners to break even.

Bear in mind most Loss Adjusters and Surveyors have between 150 to 200 claims on average, it’s no wonder they are hardly ever available to talk to you when you call and they only visit site when something goes seriously wrong. The loss adjuster contractor’s workmanship is usually very poor and we could write a book with the horror stories that have been seen. Even if you try to complain the adjuster and the surveyor are usually too busy to respond.

Are You Receiving The Full Insurance Claim Entitlement?

The insurance company often exercise their rights to appoint a loss adjuster to assess your claim. However, by law you do not have to use their in-house surveyor or their network contractor.

It is your claim not the loss adjusters. You are legally allowed to appoint a surveyor of your choice and if you check your policy it will state that the surveyor’s professional fees will be covered under the claim.

How can you ensure you receive the service you are entitled to as part of your Insurance Claim?

If you appoint your own independent surveyor you can be sure that the works will be carried out to a high standard as the professional surveyor will use a contractor that fits the quality of work and not the price.

Why Engage A Loss Assessor

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Loss Assessors are independent Insurance Claim experts who can take the stress away from your claim. They are experts in Insurance Claims Management and they work only for you the policyholder. Using their expertise knowledge and skills.

Loss Assessors will aim to get everything you are entitled to.  It is important to engage a Loss Assessor as early as possible as they can ensure the entire process proceeds in the correct manner and your claim is not prejudiced negatively.

Related Claims and Topics

Many businesses make mistakes when trying to determine their plant and machinery sums insured. Setting the correct sum insured requires careful consideration of a number of factors, and a thorough knowledge of the policy terms. Brokers and Insurance Loss Assessors can play a key part in helping customers correctly value their assets, and avoid underinsurance.

For businesses that rely on key machinery, underinsurance can have severe consequences. Simply using the purchase cost for valuing assets is a mistake made by many, resulting in inaccurate sums insured and inadequate claim settlements. Valuing assets for insurance purposes requires a particular methodology, and assessors can play a key role in helping customers approach the issue.

What happens if I have a claim?

The basis of settlement determines how a policy is worded to calculate a claim. When setting the sum insured, different approaches must be taken, depending on which basis of settlement is specified. Insurance policies can specify different bases of settlement. It is therefore essential that the applicable basis is known before valuing assets.

In the UK, it is usually an indemnity or, more commonly, reinstatement basis for items of machinery. Other basis of settlement do exist, such as an agreed value basis, but are less common for most customers’ purposes.

Indemnity Settlement

An indemnity basis reflects the traditional principle of insurance: to return the insured to their position prior to the loss – no more, no less.

An indemnity basis will cover either:

  • Cost of repair, less an allowance for wear, tear and depreciation • Cost of a similar machine, giving regard to its age and condition
  • A settlement on this basis is therefore unlikely to fund the full cost of a new replacement asset, so customers should be particularly conscious of overstating sums insured.
  • The purchase cost should be avoided, as the value of plant and machinery can rapidly depreciate once in operation. A reasonable starting point is the current market value of the asset, taking into account age and condition.
  • Difficulty arises where a current market value is not easily determinable, particularly if the asset is no longer being produced or actively bought and sold.
  • Valuations for an indemnity basis can therefore be a difficult task for customers to undertake alone, and both under- and over insurance are distinct risks.

Reinstatement Settlements

Reinstatement is the most common basis of settlement used in the UK insurance market. This departs from traditional principles, as a claim settlement will result in an improvement to the insured’s position.

Reinstatement will cover either:

  • Cost of repair, with no deductions made for wear, tear or depreciation • Cost of replacing the asset with a new item of similar type, capacity and utility (new for old)
  • The sum insured on a reinstatement basis should include the full cost of completely replacing an item of plant or machinery with a new item of similar type and capacity. In addition to the purchase cost, this sum should include factors such as fabrications, freight and installation costs.
  • If the item is readily available for purchase, then determining an appropriate sum insured should be relatively simple. However, difficulty arises if machinery is old or no longer in production. In those circumstances, the cost of an alternative piece of equipment of a similar nature and capacity must be identified.

Getting The Value Right

The approach taken to valuations will produce different results, with reinstatement sums insured being notably higher than those on an indemnity basis. Approaching a valuation from the wrong starting point is likely to result in either over- or underinsurance. Plant and machinery are also particularly susceptible to fluctuations in value, making it difficult for people to establish an accurate sum insured.

It should be stressed that there is no substitute for regular professional valuations to be undertaken for insurance purposes. It may be the difference between sinking or survival. You must seek an Insurance Assessor.

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Insurance Claim rejected help !?!

If you have had an insurance claim that has been rejected (also known as repudiation) by your Insurance company, it may often feel like all hope is lost. Here we try to address some of the problems which can cause an insurance claim to be rejected and what you can do to avoid this.

Rejected Building Insurance Claims

Having The Correct Insurance Policy

Most rejected insurance claims and policies we see are under insured. The value of reinstating your property is not what the market value is. Remember that about 30% of the rebuild is in the ground. Add to that legal, professional and local authority fees and you can see that the sum you have covered in the policy gradually eroding.

Make sure your home is not undervalued as this is the most an insurer will pay out. In some cases an insurer may even return your premium and cancel the policy as you have grossly misrepresented their risk. Remember it's your responsibility not the insurance company to obtain accurate values for reinstatement.

REJECTED BECAUSE LACK OF MAINTENANCE

poor maintenance of home can cause rejected claim

Another reason insurers reject property insurance claims is if the loss or damage was the result of 'gradual deterioration' or a lack of 'maintenance', you will not be covered. Things such as failed damp proof course and some rot are examples of this.

Poor design and faulty workmanship. In this instance you will not be covered. If you believe the cause to be as a result of negligence by a contractor then you may be wise to seek legal advice regarding a claim against the supplier or installer. Your building insurer is likely to reject (repudiate) any claim in this regard.

EXCESSIVE HOLIDAYS

Beware of taking long holidays. If you leave a property unoccupied for 30 consecutive days or more without advising your insurer, they could have grounds to repudiate a claim. This is especially true for fire claim damage and water damage.

MATERIAL VALUE CHANGES

home building extension affects insurance cost

Material change in the risk - insurers must be informed of any 'material increase' in the value of the risk they are covering. For instance, with home prices and building costs escalating so quickly, the replacement value of homes has increased. Any alterations to your property will likely increase the value and there could be risk of damage during construction. If this happens, seek the advice of an insurance claims management company.

Rejected Contents Insurance Claim

Non-compliance with security requirements - make sure you are familiar with policy conditions and endorsements. Should you fail to comply with your policy conditions on minimum security, your claim could be rejected.

You must have what's known as an 'insurable interest' in the property, in other words a financial interest in insuring the asset. If you only part own it or not at all then you will find insurers will reduce proportionally or even refuse to pay at all.

DISCLOSING ALL DETAILS

Check that you have provided all details in the policy form as correct and accurately as possible to your best knowledge. Insurance companies will try to reject claims on the basis inaccurate provided information.

HOW OAKLEAFE CLAIMS CAN HELP

Loss Assessors Oakleafe Claims offer a mid term survey to identify material changes and problem areas in a policy that needs the policyholders attention. Key to this are the warranties and conditions that are the spine of any cover.

Rejected Insurance Claims (Repudiation):

The term repudiation in Insurance claims management refers to the rejection by Insurers to pay a claim. They will relate this rejection to a specific reason such as non-adherence to a warranty or condition in your contract of insurance.

It is always advisable to seek the help of a claims management company in this instance. Sometimes it can be easily turned around with the production of information in the right manner which has been misinterpreted by the Loss adjuster.

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Family flood claim rejected by insurance company.

An Insurance Company has been accused of “giving the industry a bad name” for rejecting a Flood Damage Insurance Claim by a family whose home was hit by flooding near Bridgend.

How Insurance Companies Operate

Insurance Companies can often interrogate you and make you feel you are the one to blame. They will investigate and attempt to find any possible evidence to disprove your claim. Often they expect you to use technical terminology to provide your case. Insurers always have the mindset to pay the minimum possible claim sum. And if you do not have a solid case, the chances of a claim succeeding are slim.

Mark Jenkins has been told by Ocaso his claim in November is being refused because he did not declare the house in Maesteg was within 200m of a river.

Ogmore AM Huw-Irranca Davies said the flooding was nothing to do with the river and the firm was “unreasonable”.

Ocaso said it was “in discussions” with Mr Jenkins.

Mr Jenkins estimates it caused about £50,000 of damage to his house and is challenging Ocaso’s decision not to pay out.

How Loss Assessors can help

In a situation like this, a qualified and experienced Claims Assessor can run a full scope of work. This would mean the Assessor would provide complete reports and Quantified sheets. These reports would disprove the allegation of the Insurer that the evidence they provide is irrelevant to this claim.

“It’s a bit of a struggle as you can imagine, four of us in one room,” he said.

“[Our] two-year-old [was] looking forward to one of his first major Christmases in the house, that’s not going to happen.

“It’s just utter devastation at the moment – we’re just making do.

“We’re just lucky we’ve got close family to put us up because otherwise we’re effectively homeless because we can’t live here.”

In this incident where the house can no longer be inhabited, Loss Assessors would  help you find alternative accommodation and oversee the welfare of you and your family while the house is being restored to its pre-loss position. Insurance Loss Assessors will aim to get everything you are entitled to.  It is important to engage a Loss Assessor as early as possible as they can ensure the entire process proceeds in the correct manner and your claim is not prejudiced negatively.

For the full article follow the link to read more.

Source: BBC News

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You may be a good negotiator but are you an expert in insurance? 
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If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.

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