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Make sure your insurance policy won't let you down.

Insurance claims for various types of loss

Whenever a loss dominates ones life and prospect of peace for the future, the thought of Insurance cover and Insurance claims fills our attention for days, weeks or longer. Of course it is wise to prepare for the long term and the inevitable. The longer we live then the likelihood of a loss -in whatever field we consider - becomes more likely. If we already have insurance cover in the area covered by the policy, then a claim can often be successfully presented for compensation for the loss. After all, this is what insurance of for, is it not?

Before making a claim, it is a sensible course to adopt to contact the insurer without delay even though you may not know the full extent o the loss. The helpful advice from the Insurance Company will cut down delays and queries especially if there is an established communication pattern between the insurer and the insured before any claim is filed. When a claim is made on the policy, then any misunderstandings that may have been present without communication can often have no weight when a subsequent claim is made.

Theft:

Keep your windows closed and your house or car locked.
The have been many disappointed claimants who eventually have to admit that their security has been wanting.
This state of affairs usually means that there is no basis for a claim or resulting in, not only a much attenuated claim, but often a total loss as the basis for a claim cannot be substantiated. So ensure the insured is assured!

Fire
Keep flames away from things that burn. Sounds sensible advice doesn't it. After all we don't carry candles near inflammable nightdresses these days do we? And we don't heat oil until it bursts into flame do we? Not half! The UK fire services have to deal with 20 deep fry fires each day - every day and Burst pipes
Care is needed in the winter months to avoid the disturbance of this catastrophic damage to your house or business premises. It is not just the water damage that is covered by your policy, but the interruption to your life and business. It takes weeks for damage like this to be corrected and the disturbance is not really covered - in fact it is often valued more than the material loss.

Commercial loss
Any loss to a commercial premises has a wide spread impact. You will need to bear in mind machinery, office furniture and equipment, office furnishings and workshop tools and equipment. However, the worst problems are those related to people - Employees and customers. Their loss may be income and future stability. Insurance policies rarely look forward to the effect of a damage claim. Now everything can be sensibly covered, as every reason to claim is a unique event.

Data Back-up?
Have you ever thought what is more important, the computer network or the data that they carry to enable work to continue day after day? Lose the data and you have lost your business! Lost customer details with lost debtors list and lost order details. Take care to back-up your data regularly and keep them somewhere else.

Insurance - is it really necessary?.
Insurance is a poor substitute for good husbandry - a fine word - keep the duty-of-care attitude alive in your dealings with the inert and lifeless objects in your life that have no means of caring for themselves. Your insurance agent can only pick up the pieces, but you can provide, not only a safety net of insurance cover, but the cultivated instincts of a shepherd to care for the helpless things that belong to you.