Property Aware 5
Welcome to the fifth edition of Property Insurance AWARE.
The last twelve months has brought about some exciting developments at Keoghs, including the opening of new offices as part of our drive to develop strong technical centres of excellence. These offices in London, Southampton and Glasgow enable us to provide clients with a national service, throughout the UK.
The commercial litigation team has also grown this year. Richard Houseago, Andrew Pieri and Ghazala Khalid have joined our London. Richard leads the national team and has over 30 years’ experience of major property damage and insurance coverage litigation, often involving the construction, engineering and energy sectors. Andrew has 35 years’ insurance industry experience, including 11 years as a loss adjuster, advising on claims against brokers, local authorities and advising insurers on a range of disputes. Ghazala joins as a partner having worked alongside Richard for the last 13 years. Stefanie is a dual-qualified commercial dispute partner and advises on shipping and transport disputes and policy coverage.
In this edition of AWARE we look at developments relative to emerging technologies including autonomous vehicles and drones, examining innovations behind these technologies and how they will impact future insurance law. Our team recently hosted a seminar in London which looked at changes to late payment of claims brought about by the Enterprise Act 2016, further details are provided on page 17.
We also consider the Government’s approach following concerns for health and safety in the home raised in respect of appliance fires. We offer our views on the recent case of Great Lakes and the court’s approach to the correct measure of indemnity following the destruction of property by fire and the common types of property damage claims with reference to landlord and tenant legislation. Should you have any queries, please contact Matthew Rogers or the author of the relevant article, contact details are provided overleaf.
Solicitor, Guest Editor
T: 01204 678651
If human behaviour is the cause of so many injuries and deaths, should humans be taken out of the driving equation altogether? How long before driving our own vehicle becomes as socially unacceptable as smoking?
At worst, appliance fires can have tragic consequences, as was the case for Mr Benjamin-Muthiah who died in 2010 in a house fire caused by a defective defrost timer on the family’s Beko fridge freezer. For those who escape unharmed the outcome usually extends to the loss of irreplaceable personal items and a lengthy period in alternative accommodation whilst remedial repairs are completed.
This article examines the common types of property damage claims which Keoghs are often asked to review and the key legislation which will be applicable to those cases, dependent on the type of damage sustained.
Expert evidence is required in cases where help from a third party with the appropriate knowledge and experience to understand an issue is vital to a case.
Produced in response to client interest, this guide aims to assist insurers by identifying the pertinent issues which arise in arson cases involving buildings.
Late payment of claims held on 15th March 2017 We were delighted to welcome our clients and contacts to our latest seminar, held in central London.
We frequently receive instructions following claims arising as a result of damage to underground utilities. Often these claims will relate to damage to electricity cables, broadband / fibre optic cables, pipes and water mains.
The Court of Appeal (CoA) has clarified the law in respect of an insurer’s obligation to pay for the costs of reinstatement in circumstances when reinstatement may not take place.
One of the most difficult and important aspects of any claim can be obtaining that vital piece of information or evidence which allows progress to be made.