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MAintEnAnCE HEALtH &SAFEtY CASELAwdiSPutES EnErgY EFFiCiEnCY inSurAnCE Hereisaselectionofonlinearticlesfeaturedonourwebsiteandavailabletoread
anddownloadatwww.flat-living.co.ukWelookattwokeyissuesforflatowners andpropertymanagersthiswinterandgiveyouatasteofournewonlineblog
UKhomeowners forced into debt to pay for energy bills
Expert advice fromLorna Harrington
NewWebinar –12ways to spot under-insurance
lornaharringTonwill be presentingawebinarwhich delves into buildingsinsurance
valuations. ScheduledTime 12th February
2014 at 3PM. Duration 45 minutes. Bywayofcasestudies of
buildings, Lornawilltakeyou on awhistle-stop tour of 12 common ways to spot ‘the likelysuspects’ ofwhereunder-insurance is sure to be found. It is the insured’s
responsibility to set the buildingssuminsured. Buthow do they know if the buildings insurancevaluation is correct? Experience suggests that
brokers are asked to advise and their clients seek help frominappropriate webbased information. Neitherisbest practice andthe former is a sure route to litigation if the suminsured is notaccurate. Even if the insured has built the property themselves,the figure is unlikely to be the correct basis to set theinsurance policy. Theaimof the sessionis to
help insurance professionals highlight caseswhere a buildings insurancevaluation should
be an integralpartofthe risk management strategy. Itwill broadenthe audience’sknowledge so that theconversationabout under-insurance does nottake placeinfrontofaburnt out building.
AboutLornA
HArrington LornaisaDirectoratBarrett Corp&Harrington Ltd, a RICS regulatedsurveyor that specialises in insurance valuations forbuildingsand contents. Prior to setting up BCH in 2006, Lorna had worked at CunninghamLindsay as aRiskSolutionsManager, at AIG Private Client Group as the ResidentialServicesManager andatChubb Insuranceasan AppraisalManager for Chubb Masterpiece.Lorna startedher career as aLloydsbroker, Brian Hogg (Aon), placing fine art and historic houses businesses in the LondonMarket.●
Tofindoutmoregotowww.
flat-living.co.uk/news/99- new-webinar-12-ways-to- spot-under-insurance
Secret diary of a propertymanager
DealingwiThstormdamage, difficultresidents andprostitutes is allinaday’swork forour secret propertymanager. Thereare also thegood dayswhen everything
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goessmoothly andclients are happy. Stay up-to-date with the trials andtribulationsofleasehold
management by clicking on
www.flat-living.co.uk/advice/912-
secretdiary or followinguson TwitterorFacebook. Lots of you arereadingsecretdiary everyday –sodon’tmiss outonthe blog that everyone is talking about.●
Issue 17 Flat Living
Thepriceofenergy billsis becomingamassive strain for homeowners at themoment and people are taking out loans to payfor theirbills andprovide food. A staggering one in five homeowners has takenout a loan in the past year, with 56% expecting to carryonthe loan into next year.Out of 2,000 peoplesurveyedonly8%have said they did not take out a loan. According to Circle Housing
Groupwhoran thestudy,around 30%ofpeopleusedthe loans to payfor necessities such as food and basic livings needs. A further one in five required help to covertheir expenses including mortgage and credit payments or energy bills, 21% and 17%respectively. Thesestatisticsare worrying
and clearly show the problems thatmany homeowners are facingwhen it comes to managing their finances. The Group Financial Inclusion
Many people are struggling to pay their energy bills
Manager at Circle Housing,Matt Earnshaw said “Inthe social housing sector we knowmany are struggling to deal with rising food bills and spiraling energy costs.”(
Circle.org.uk, September 2013) First Utility have previously
announcedthatthe energy industry need to shortenthe amount of timeswitchingtakes fromfiveweekstojustone day. EnergySwitcheroo offersan easy onlineswitchingservice forconsumers andbusinesses to help savemoney,which will makeadifference to household’s energy billsmeaning that everyday needswillbeeasierto fund(for moreadviceonmaking energy savingsfrom Energy Switcheroo turn to page 23).●
Toreadthis article in full,go
towww.flat-living.co.uk/ advice/916-uk-homeowners- are-being-forced-into-debt- by-taking-out-loans-to-pay- for-energy-bills
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