Diocese of Norwich Treasurers Workshops 2012

Transcription

1 Diocese of Norwich Treasurers Workshops 2012 Peter Halden Insurance Consultant & Surveyor

2 Topics covered Parishguard Policy Levels of cover Discounts Payment methods Theft of metal Chancel repair liability

3 CLICK AND TYPE DATE Parishguard policy

4 PARISHGUARD POLICY Package Policy introduced 1996 Competitive rating structure Wide range of cover and additional features

5 Parishguard - Levels of cover available Layer 1-100% (of EIG valuation) Layer 2-75% Layer 3-50% Layer 4-25%

6 Deciding on Level of Cover? No penalty for under insurance The more important a church is architecturally, the greater pressure the PCC will be under to restore it, if it is destroyed, exactly as it was. Pressure will come from conservation bodies such as English Heritage, and particularly those who have given grant-aid previously, and from parishioners.

7 Deciding on Level of Cover? Consult your Archdeacon and the Diocese Be aware of future implications Discuss at the PCC meeting and make sure that a clear decision or series of decisions are made and that accurate Minutes are made. Remember your duty as a PCC What can you afford to pay?

8 Discounts Increased Voluntary Excesses normal 50 can increase to 100, 250, 500 or 1,000 Approved additional security measures Stained glass window protection Automatic fire detection Intruder alarms

9 How can you pay? In one instalment by Cheque or direct debit In 12 monthly instalments free of any charge Some churches are still paying by 5 or 10 monthly instalments both of which attract a charge

10 CLICK AND TYPE DATE Theft of metals

11 Losses have exceeded 25m in 5 years Lead and copper roof coverings Copper lightning conductors Lead and copper rainwater pipes Bronze statues Iron gates Church bells

12 Remove easy access onto roofs Remove any means of access onto roofs, e.g. move water butts and waste bins away from the building Cut back or remove tall trees near to the building which could be used to gain access onto roofs Remember to get any necessary approval for tree cutting Store ladders in a secure place, particularly when building work involves the use of scaffolding Please advise us before arranging building work

13 Maximise surveillance levels Cut back tall trees remember to get necessary approvals first Thieves will often pose as builders legitimately working on property Consider the use of security lighting where a reasonable level of surveillance can be expected, especially at roof level where metal roof coverings are present

14 Ask the community to help Encourage members of the local community to keep a vigilant eye on the building Encourage community use of the building

15 Make regular roof checks Carry out regular checks on roofs to detect any theft of roof materials before it rains and water enters the building causing further damage

16 Use anti-climb paint Apply anti-climb paint to drain pipes and roof guttering to restrict access to roofing. Apply paint above a height of 2 metres and use warning notices to highlight its use

17 Protect lightning conductors Protect the lower section of lighting conductor ribbons Use a metal cage or ribbon securely fixed to the fabric of the building Bury the ribbon in the wall.

18 Security Marking Security mark all portable valuables, including metal goods Smartwater is a security marking product which forensically links thieves to crime scenes and is being successfully used to combat the theft of metals Smartwater can be used to mark property exposed to the elements, such as lead and copper roofs, and doesn t damage items to which it is applied

19 Warning notices

20 Other solutions Consider installing a Closed Circuit Television system with adequate monitoring and recording, and display prominent warning notices around the site - Detailed guidance on the use of CCTV is available within other Ecclesiastical guidance - Consider installing intruder alarm protection to external roof areas using detectors designed to work efficiently outside

21 CLICK AND TYPE DATE Chancel Repair Liability

22 Chancel Repair Liability Order made under The Land Registration Act 2002 Liability must be registered by 13 October 2013 If not registered liability will be lost on change of ownership If you haven t done anything check with Diocese

23 Any questions?