The main perils relating to damage to the building and covered under a standard building insurance policy are: fire, lightening, explosion, earthquake, riot, civil commotion, strikes or labour disturbances, malicious damage / vandalism, impact damage, storm tempest and flood, subsidence landslip and heave.
All policies contain terms and conditions and exclusions so it is important to understand the damage and the policy and the relationship between the two.
Policies generally cover reasonable surveyor’s fees necessarily incurred in the reinstatement of the building.
Often insurers will require a professional report when a claim is lodged.
Often the most damage and long running claim will relate to subsidence.
Eames Limited has many years’ experience of investigation and management of Building insurance claims.
Good advice from an early stage is essential to ensure satisfactory and prompt resolution of the building damage.