| Year round flooding on a global scale is very much in | | | | reasonable timescale and to a proper standard? How |
| prospect for the foreseeable future. This statement | | | | are you to enter the weird and mystical world of |
| is borne from the evidence of today. | | | | Insurance settlements? Well, it all starts with the |
| In addition to flooding, raging bush and scrubland fires | | | | proper selection of your policy. |
| caused by natural events are becoming more severe | | | | There are literally thousands of Insurance Companies |
| that scientists believe they are due to global | | | | that are able to supply you and they will offer you |
| temperature increases. World headlines cannot be | | | | incentives to buy from them. They want you to buy |
| ignored, neither can the proof that is pitifully visual, | | | | on price. You should not be tempted, look for value |
| because modern communications allow us access to | | | | for money. Make a list of the key things that are |
| the devastation. | | | | important to you and shop around until you have |
| Most people around the world are insured against | | | | these issues covered. Be sure, and check your |
| disaster and have a right to expect that their claim | | | | current Insurers out. You may well have been with |
| will be handled sympathetically and with reasonable | | | | them for years but they may not have a track |
| efficiency by their chosen Insurer. So many families | | | | record in handling disasters. |
| have been forced to evacuate their homes and in | | | | You need to be able to control and trust all the |
| some cases have to prevail in unsavoury conditions in | | | | supply chain Contractors. These consist of |
| accommodation provided by emergency services. | | | | Restoration Companies, Specialist Restorers, Builders, |
| Most are happy just to be safe but as time draws | | | | Decorators and Ground Workers. Never forget that |
| on the patience and camaraderie wears thin. | | | | you have control of your home even if it is in need |
| The pressure that Insurers are having to put up with | | | | of substantial restoration. Your homes threshold is |
| is very much of their own making because of their | | | | inviolate and should remain under your control. |
| policies in procuring supply chain Contractors. They | | | | Because of the shear volume of claims nobody has |
| almost without exception pressurise for lower and | | | | the time to manage affairs as well as you can. |
| lower prices and then demand exceptionally high | | | | Almost certainly a Loss Adjuster will be instructed to |
| levels of service. The simple truth is obvious, You | | | | manage your claim on behalf of Insurers. Their |
| cannot get a dollar from a two cent pot. In Cumbria | | | | charter requires them to stand square between the |
| NW England an estimated 270 families have been | | | | Insurer and the Policy Holder. Their role is to ensure |
| evacuated into temporary accommodation as a result | | | | that the terms of the policy are strictly adhered to |
| of flooding. The areas around Sydney Australia and | | | | by both parties. Wonderful because the reality is a bit |
| LA in the US have suffered disastrous bush and | | | | grey. Insurers are treating them as part of the supply |
| scrub fires and everyone has seen the devastation | | | | chain and putting them under pressure to reduce |
| caused by water in New Orleans and SE Asia. These | | | | claim costs. This action alone could ruin your claim. |
| disasters were caused by climatic conditions that | | | | You need to know how to handle Loss Adjusters. |
| some have attributed to Global Warming. | | | | Because the worlds climate is changing and causing |
| It has been calculated that approximately 40,000 | | | | exceptional conditions from natural disasters we all |
| families have been displaced and this is only from the | | | | need to be very focused on what could happen to |
| newsworthy areas. | | | | our community and our way of life. Therefore we |
| So where does the Policy Holder go to ensure that | | | | have to protect it and the only way to do that is to |
| his claim is accepted? Not just accepted but in a | | | | ensure it. So, What happens next with your situation. |