Golf Club
COMMERCIAL FIRE INSURANCE CLAIM
![](/assets/img/case-studies/commercial-fire-golf-club.jpg)
In May 2013, a prestigious golf/hotel complex caught fire after a cigarette butt was blown between the patio and the timber building.
Location
Devon
The Incident
In May 2013, a prestigious golf/hotel complex caught fire after a cigarette butt was blown between the patio and the timber building. Having witnessed this incident on camera, the insurer wanted to make a claim for their outlay against the individual smoker, who had been standing in the designated area but had failed to dispose of the butt in the metal container provided.
Our Response
We were able to show that accusing the individual of negligence would not benefit any party, and to start normal negotiations. However, upon examining the policy, it soon became apparent to our experts that the sums insured had inexplicably decreased from the previous year. Although the insurer had provided a renewal letter, there was no indication that the terms surrounding the main items should have been altered.
The Outcome
We were able to commence complaint procedures against the insurer’s agent, which led to a settlement mediation rather than an agreement based on the terms of the policy. The client received full reinstatement with an agreed indemnity period, all of which was paid up front and without any of the usual penalties.
START YOUR CLAIM
READ LATEST NEWS
REASONS WHY PEOPLE CHOOSE US
At this point, you would hope that your insurance company is there to help but unfortunately this is not the case. We have known families who have felt intimidated by insurers and have been treated as though they have done something wrong, or are in some way to blame for their situation.
It'S EASY TO START YOUR CLAIM WITH US ...
Hassle free, no obligations is how we operate. So if you’d like to speak to us call our 24/7 Helpline on 03300229179 or email us at info@harrisbalcombe.com. Or simply click the button below ...