When your property is damaged, the last thing you need are complications. Our UK Property team can help you make sense of the situation.
Regularly advising on all policy interpretation and coverage related issues our team of experts can help with non-disclosure, misrepresentation, moral hazard, breach of warranty/condition precedent, the application of exclusions, proximate cause, double insurance and contribution issues.
If you're facing insurance fraud, we'll step in and handle any type of fraudulent claim, from arson/fraud and suspicious theft to exaggerated and other dishonestly assisted claims.
Our team can help with adjustment and quantification issues in particularly complex commercial property damage and business interruption losses. This could include application of average provisions, reinstatement provisions, assessment of loss of gross profit and application of increased cost of working provisions.
We also have expertise in high value stock/customer goods claims and machinery breakdown claims.
In addition to advising on coverage and adjustment issues, the team handles significant numbers of subrogated recoveries and has been responsible for recovering substantial sums for the insurance market.
Examples of relevant work
A C Ward v Catlin (Five) & Others- Successful defence of London Market insurers in the Commercial Court case involving non-disclosure/misrepresentation, breach of warranty and compliance with risk improvement requirements
Loyaltrend Ltd and another v Creechurch Dedicated & Others- successful defence of claim involving damage over successive years of cover, trigger of cover for maximum indemnity period, late notification, application of denial of access extension:
Successfully contested proceedings brought against insurers, relying on the fraudulent claim condition and other breaches of policy terms
Instructed by insurers to advise on recovery prospects following a £25m fire in central London, including advice in relation to fire spread
Successfully negotiating a significant settlement for insurers shortly before trial against the architect, main contractor and specialist contractor (responsible for the installation of a fire suppression system following an escape of water from the system at a large country estate in central England
Advice to insurers on potential subrogated recovery actions following a major fire at a high end, recently refurbished, residential property in London, which caused £20m worth of damage