When a service that most people take for granted is disrupted, like their water supply, it can cause stress and upheaval for any homeowner.
Claims articles
You’ll find some great examples of how the team work to resolve claims in the case studies and articles below.
In this edition of Ask the Experts, we answer some of your questions about the claims that we receive on our policies.
Claims arising under policies issued for leasehold properties can be triggered for any number of reasons.
When claims occur on legal indemnity policies, the costs involved in resolving the situation can often be eye-watering. But as this case study shows, it can be the expertise of our team and the experts that we instruct, rather than simply writing a cheque, which leads to a successful resolution.
One of the most common claims scenarios, that we are faced with, occurs when local authorities are threatening enforcement action for past unauthorised works, including those which breach a planning condition. In these cases, the age and nature of the works often determine our strategy for dealing with the claim and how we achieve the best outcome for the policyholder.
Disputes between neighbours over a right of way can easily become protracted and contentious affairs. They often arise when one neighbour, for example, makes a change to their property or the way they use the land, which then has an impact on an established access route, as this recent claim illustrates.
In this case study, we take a look at a claim that arose in 2020, only a year after the policy was taken out, but which related to some works and alterations made to a listed residential property in the previous century!
Our Building Regulations policies are some of the most frequently requested covers, and also the ones we receive the most claims against. A recent claim, outlined below, shows how a simple leaky roof uncovered a major structural issue, and how a down-to-earth approach ensured that the policyholder was fully, and fairly, covered.
As we mentioned elsewhere in this edition of InTouch, resolving a dispute over a right of way can be a long and contentious process, even for an established property, as this recent claim, settled by our claims team, illustrates.
A chancel claim on a commercial property proves that legal indemnities are far from being money for old rope.
When an insured’s property is under threat of enforcement action, quick settlement of their claim is always our top priority.
A recent restrictive covenant claim demonstrates how we tailor our approach to the specific circumstances of each claim we receive.
When an insured faced losing vehicular access to her home of seven years, and couldn’t demonstrate any prescriptive rights, we had to look into other options in order to resolve her difficult situation.
Much like the fact that lightning can actually strike the same place twice, claims can also occur on the same legal indemnity policy twice, as illustrated by our latest case study.
The issue of rentcharges, featured in our article Mountains from molehills, was also the subject of a recent claim.
When claims occur on legal indemnity policies, the costs are often eye-watering. But as our latest case study shows, it's sometimes down to expertise rather than money which helps a claim reach a successful conclusion.
It's true that insurers don't have the greatest of reputations when it comes to claims, but the policyholder in our latest claims case study was delighted with the way we helped him out of a tight spot.
'No search' indemnity policies for remortgage transactions may seem to be little more than a 'belt and braces' type cover, but they do have a practical value, as the lender in our latest claims study will attest.
'Oh, wouldn't it be nice to get on with my neighbours?' sang 60s rock band, The Small Faces - lyrics which are sure to have echoed the feelings of the parties involved in our latest claims case study.
Dealing with claims is rarely a straightforward business, but sometimes problems occur which are difficult to anticipate, as our Claims team found out in the latest case study.
We've previously highlighted how legal indemnity claims have been on the increase over the last few years (see intouch Autumn 2014). As a result of this continuing trend, it became necessary to expand our Claims team and consequently, we were pleased to welcome Mark Crossfield back to the company in January.
Legal indemnity claims levels reach record high.
If a tree falls in the forest, and no-one's around to hear it, does it make a sound?
Obtaining legal indemnity insurance may well be an incidental part of the conveyancing process, but that shouldn't water down its importance.
In our latest claims case study, the purchasers of a leasehold flat found themselves in a spot of bother over the location of some services installed by the previous owner.
This time, our Claims team look at some of your most common questions.
Extending a home is rarely straightforward, and as the claimant in our latest claims case study found out, it can prove even more difficult if your neighbours have the benefit of covenants over your property.