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INDEX


Flat Living GUIDETO INSURANCE 5


8How is your Insurance premiumcalculated? 10 The devil is in the detail 11


5 8


12 Howtomake sure your claims are handled quickly You thought it could never happen to you


14 Water Damage 16 The importance of correct property valuation 18 Whopays the excess? 20 The benefits of using a specialist broker 22


23 About the authors


10 11 12 13 14 16 18 20 22 23


DISClAImER


Thecontent of this publicationwas jointlyauthoredbyBelinda Thorpe ofCHUResidentsline andPaul Robertson of Midway Insurance Services Ltd (Parent company to 1st Sure Ltd) Thanks are also given to Roger Corp of Barrett Corp&Harrington Ltd for his contribution and Lesley Davis and Flat Living for editing and publishing.


Whilst the authors, editor and publishers have taken all reasonable care in producing this publication theymake no warranty about its accuracy and disclaim all liability arising fromits use. Please ensure you obtain the appropriate professional advice in arranging cover suitable to your needs.


2 Flat Living GUIDETO INSURANCE Commission Index Linking versus Day One Checking you have enough cover


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