Your PolicY
Handlingaclaim in a HeritageBuilding
In theevent of aclaim notonlywillthe adequacyofthe insurancepolicywording be tested butalsothe claimshandling capability of both theinsurer andthe loss adjuster they appoint.
Loss adjustersare independentclaims experts(whoseactions aremonitored by theChartered InstituteofLossAdjusters) andtheir role is to ensure your claim is handledfairlyinaccordance with theterms of your insurance policy.However,they are appointed and their charges are paid by theinsurerwhowillappoint themto act on their behalf. With this in mind it is always agood idea to agreewhich firmwill actaslossadjusters in theevent of aclaim andensurethattheyhavethe necessary experience.
Good communicationbetween allthe involved partiesisanessential ingredient to the efficient handling of any claim and in respectofheritagepropertiesthisis even moreimportant duetothe additional partiesinvolvedsuchasEnglish Heritage (orother relevantbody).Inaddition, theloss adjuster will need to be familiar with the specialist terms and challenges in repairing or reinstatingthistypeofproperty. This mayinvolve theuse of specialist contractors or even understandinghow to resource specialistmaterials. Forexample,itmight be necessary to open aquarryespecially to source thestone required tomake a
repair.Thismay soundextremebut, in fact,istypical of thechallengesfaced with preserving historical buildings.
Often heritage flats will be occupied by affluent residentsand it is equally importantthatthe claimsprocessboth understands this along with the level of serviceand lifestyletheyare accustomed
to.Nodoubt they will have occupantswho expectthe insurerand loss adjuster to reflect this in the handling of a claim.
Specialist restoration work will need to be conductedbycompetent expertsand anyprofessionals,suchassurveyors or contractors, will need to be experiencedin reinstating this type of property.
As thecustodian of aheritagepropertyyou maywishtoensurethatyourinsurance provider has thecapability andassociated professional firmsin placewhenyou arrange insurance cover.
Flat Living GUIDETO HeritageFlats 7
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