We advise on all aspects of coverage including: issues of avoidance for material non disclosure/misrepresentation and the remedies available under the Consumer Insurance (Disclosure and Representations) Act 2012 and the Insurance Act 2015, illegality and fraud, the scope of cover and meaning of endorsements, extensions and exclusions, the effect of breach of warranties/suspensive conditions and conditions precedent, betterment and reinstatement obligations; double insurance / equitable contribution; and claims under the Third Parties (Rights Against Insurers) Act 2010. We act for insurers on FOS referrals, including preparing submissions, advising on the practices and procedures of the FOS, and advising on the limits of the FOS’s jurisdiction.

We recognise the importance to insurers and their policyholders in pursuing recoveries where third parties are culpable for property damage. We have extensive experience of pursuing such recoveries across all value bands. We tailor our recovery service to suit the needs of your business, handlers, and customers. We can offer innovative funding solutions, delegated authority handling, and closed file recovery screenings etc.

Our innovative tech offers the potential to drive efficiencies in numerous aspects of the recovery claims cycle, including triage, initial prospects review, and preparation of letters before action and other inter parties correspondence.

We have extensive experience in defending policyholders being pursued for third party property damage, whether that be on instruction from household insurers whose customers are accused of damaging neighbouring properties or on instruction from insurers affording cover to trades and other businesses whose work exposes them to claims. Again, we can offer delegated authority and fixed fee solutions where appropriate.

We realise that subsidence is one of the most serious issues for a homeowner and that resolving these cases quickly and with an effective outcome is paramount. With the future climate impact, subsidence will become ever more prevalent, and we are able to meet your requirements in resolving subsidence claims of any volume and value. We are experienced in: gathering of expert evidence / monitoring; removal of TPOs; defence of claims against homeowners; recovery of repair costs against neighbours, local authorities or commercial organisations; pursuance of mitigation in claims; and pursuing contribution recoveries where appropriate under the ABI Domestic Subsidence Agreement.

We can advise insurers on all aspects of claims arising from construction and energy projects, both at the construction and operational / occupation stages. We have experience of advising on all commonly used industry standard form contracts (JCT, NEC etc). Experience includes advising on: DE and LEG defects exclusions; double insurance; joint insurance; and waiver of subrogation.

We advise on multiple loss events affecting programmes of insurance including the aggregation of losses in a single year and the allocation of losses across numerous years and over excess layers; and we advise on the extent of drop-down cover under global policies involving difference in conditions and difference in limits with local policies. We also have experience of the Bermuda Form and arbitrator challenges.

We work closely with our clients to share market knowledge and provide up to date industry alerts to enable them to identify exposure and to defend themselves against fraud.

As well as dealing with litigation where necessary, we play an active role in developing strategies, advising on responses to complaints and dealing with applications for disclosure of evidence. With our innovative detection technology and working closely with our Intel team, we are able to identify and hold to account those policyholders who are pursuing fraudulent claims.