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Case study: Lorega Adjuster reduces business interruption claim for gastropub.

Case study: Lorega Adjuster reduces business interruption claim for gastropub.

Case Study: Licensed Trade

Material Damage and Business Interruption claim

When a major fire broke out in a traditional gastropub, located in London’s West End, it suffered serious damage to its structure and the roof.

Luckily the pub, which dated back to the 1880s, was unaffected by the fire itself, but there was significant damage done by the fire service’s extinguishment water, which entered the pub and restaurant on the ground floor, as well as the kitchen in the basement.

This resulted in the ceiling collapsing and extensive damage to the flooring and the kitchen equipment, including the cookers and extraction system which suffered major damage. The result of this extensive damage meant that the pub was unable to trade, so the owners immediately contacted their insurance broker to find out what could be done under their insurance policy.

As they had Loss Recovery Insurance, Lorega was able to send a Chartered Loss Adjuster to visit the site within 24 hours and instigate drying measures, reviewing the extent of the damage and deciding on a strategy for moving forward. Unfortunately, this was not a straightforward claim and problems arose with regards to the separate buildings insurance arranged by the landlord, who seemed reluctant to instigate works to the flats and roof.  This resulted in subsequent rainwater penetrating the pub, meaning further damage. It transpired that the landlord of the building was submitting a planning application to change the roof and add more flats above the pub, which would result in considerable delays.

Beer Tap Lorega case studyThe Lorega adjuster was able to communicate with the insurers, who ultimately agreed to fund the emergency works needed including a “tin hat” over the building. Although this was not strictly covered under the policy, our adjuster argued that this would reduce the business interruption claim, which would outweigh the cost of the emergency works. This resolved the initial issues with rainwater and allowed proper drying to proceed, meaning agreements could be reached over the internal refurbishment of the pub.

The Lorega adjuster worked side by side with the client to maintain detailed records of any costs incurred and to prepare a full business interruption claim for presentation to the insurer’s loss adjusters. This was a complicated process as many of the staff had been redeployed to other pubs owned by the policyholder, but after considerable negotiation our adjuster was able to agree a sensible mechanism for calculating the loss of profits claim.

The pub reopened, but trade was still affected as works to the flats and roof were ongoing and there was scaffolding across the frontage. Our adjuster obtained agreement to put up temporary signage alongside some initial promotions, and a claim was agreed within the maximum indemnity period.

The pub is now continuing to trade successfully having re-established itself in the local market; both the broker and the policyholder were delighted with the service they received from Lorega.

Customer feedback

“From the start, Lorega offered me total reassurance"

"Thank you, you were a great help and made sure I claimed for everything I was entitled to. Could not have done it without you”

“Your support and input was excellent”

Case Study: A complex high net worth claim in Belgravia

Case Study: A complex high net worth claim in Belgravia

When you’ve refurbished your home to an incredibly high standard, the last thing you want is to discover a burst pipe in the ceiling.

This is the unfortunate situation one Lorega policyholder found himself in, after his housekeeper discovered a major burst pipe while he was abroad.

The burst pipe had caused significant water damage to many of the ceilings in the ground floor of the property, as well as some of the bedrooms in the basement.

Luckily, as the home owner had a Loss Recovery Insurance policy, our adjuster was instructed and immediately investigated solutions for mitigating the loss and drying the building.

These investigations revealed serious damage to the ceiling voids, which housed some of the built in electrical systems and speakers, alongside a sophisticated and newly installed air conditioning system.

Unfortunately, this meant taking down a number of high ceilings that still had their original cornice features. In order to do this, our adjuster had to ensure that any works of art, of which there were many, were properly removed from the affected areas and stored safely. Whilst there was very little contents damage overall, a lot of money was spent moving these valuable and irreplaceable pieces.

Due to the complex nature of the claim, and the large amount of damage done, our adjuster spent a long time working with the project team making sure the repairs were undertaken correctly and to the required standard.

This was especially needed in this case, as concurrent to the insurance claim, the policyholder wanted to do some further upgrading works, which needed to be differentiated from the insurance works. Our adjuster was essential for the policyholder in this instance, as he was abroad throughout the process and unable to deal with the insurance company.

By having a Loss Recovery Insurance policy in place, the home owner was able to continue his daily life whilst having peace of mind, knowing a claims expert was on hand to handle the situation.

Case Study: expert advice on hand when a family home goes up in flames

Case Study: expert advice on hand when a family home goes up in flames

When an elderly couple who had lived in their family home for over 40 years woke up in the night to discover it was on fire, they were absolutely devastated.

The lady of the house was the first to realise something was wrong, after being woken up by a sound in the loft. Upon heading outside to investigate, she saw the roof was on fire and immediately rang 999. The emergency services attended straight away, but despite their best efforts the roof collapsed and the entire first floor of the house was very badly fire damaged. Furthermore, the actions of the fire brigade in stopping the fire resulted in severe water damage to the ground floor of the property.

Luckily, the home owners had taken out a comprehensive insurance policy that covered the damage to the buildings and contents, and had also bought a loss recovery policy to provide a chartered loss adjuster, working directly for them to manage the claim and get the fairest settlement.

Having been occupied by the same family for many decades, there were items belonging to several generations, and many old, valuable pieces of furniture and artwork. There was also a lengthy process to determine which items were salvageable and could be saved or restored, and what was beyond repair.

Our adjuster organised for specialist contractors to be appointed to carry out the restoration of the house, removing the salvageable contents.

They agreed for a surveyor to start drawing up a schedule of the building works and carry out emergency works, another process that the policyholder would’ve found difficult to undertake without expert guidance from a claims expert.

The adjuster was also on hand to guide the process of some additional building works and layout changes, financed by the policyholder, to be undertaken concurrently with the restoration work. The repair took 15 months in total – a stressful period for any home owner, but particularly for an elderly couple in need of total assistance getting their home life back on track.

By having one of Lorega’s chartered loss adjusters on hand to handle the claim and negotiate with insurers, they were able to avoid unnecessary stress and concentrate on looking after the family while their home was rebuilt.

Case Study – Expert Loss Adjusters save landlord thousands of pounds after an oil spillage in Worthing

Case Study – Expert Loss Adjusters save landlord thousands of pounds after an oil spillage in Worthing

When a block of seafront residential flats in Worthing suffered a boiler malfunction, their basement was flooded with approximately 750 litres of oil, causing severe damage to the building.

An environmental recovery specialist was instructed to pump out and remove the oil spillage which required the removal of both boilers within the building, meaning the residents living in the flats would have no heating or hot water while the works were undertaken.

This in turn meant that the residents would have to move to a temporary location, at a huge inconvenience and a heavy cost.

To make matters worse, insurers advised the cost of the new boilers would not be covered under the policy, leaving the landlords with a total cost projected at well over £100,000.

Fortunately, the landlords had bought Lorega’s Loss Recovery Insurance as part of their property insurance, which meant one of our Chartered Loss Adjusters was on hand to mitigate the loss .

The Loss Adjuster introduced a separate specialist environmental firm, and together they proposed an alternative method of decontaminating the basement.

This alternative method allowed the boilers to remain and continue to be used during the process, whilst also sealing the walls and floors, preventing any further contamination issues.

By having Lorega’s Loss Adjuster to advise from the beginning and propose an alternative solution to fix the loss, residents were able to remain in their homes, massively reducing their stress and inconvenience.

Furthermore, our claims Expert was able to considerably reduce the overall cost to the policyholder by half, from over £100,000 to a diminished fee in the region of £43,500.

Case Study - Oil spillage