Repairing flooded buildings. An insurance industry guide to investigation and repair. Flood Repairs Forum
|
|
- August Lester
- 8 years ago
- Views:
Transcription
1 Repairing flooded buildings An insurance industry guide to investigation and repair Flood Repairs Forum
2 Repairing flooded buildings An insurance industry guide to investigation and repair
3 Demelza House Demelza is a charity providing hospice care for children with life-limiting conditions and their families across Kent, East Sussex and south London. Our services include hospice-at-home care, hospice care, planned short breaks, emergency respite, therapies, symptom control, end-of-life care, and bereavement support. These services are currently provided through: Demelza House, an eight-bedded hospice in Sittingbourne, Kent Demelza James, the hospice-at-home service operating in west Kent, East Sussex and south London. We care for approximately 400 children and families in our catchment area, with about 300 using the services at Demelza House and about 100 using the Demelza James hospice-at-home service. Demelza s annual running costs are approximately 3.5million. We do not receive any government funding and rely 100% on fundraising to run our services. Our main cost is direct care for the children and families to whom 78% of our income is devoted. Fundraising and volunteers absorb 20% and just 2% goes on administration. In other words, of every 1 donated 78p goes directly to caring for children and their families. We would like to thank you, the reader, for buying this book and so supporting Demelza. We also thank the authors for their generosity in donating their royalties from the sale of this book to help our children and their families. Ted Gladdish CEO Demelza Hospice Care for Children
4 Repairing flooded buildings An insurance industry guide to investigation and repair Flood Repairs Forum
5 Details of all publications from BRE Press are available from: Website: or IHS Rapidoc (BRE Press) Willoughby Road Bracknell RG12 8DW Tel: Fax: Published by BRE Press Requests to copy any part of this publication should be made to: BRE Press Garston Watford WD25 9XX Tel: Fax: EP 69 Flood Repairs Forum 2006 First published 2006 ISBN The contents of this book reflect the knowledge and experience of individual and corporate contributors. However, the authors and their sources, and the publishers, take no responsibility for the subsequent use of the information, nor for any errors or omissions, it may contain. Cover picture: Flooding in the City of York, November 2000 (Courtesy of BDMA/One Call)
6 v Contents Foreword Members of the Flood Repairs Forum Abbreviations 1 Introduction 1 vii vii 2 Technical competence of the remediation team 3 Complex building types 4 3 Managing the customer contact process 5 Policyholder contact a staged approach 6 Frequently asked questions 10 4 Damage reporting and collecting the right information 13 5 Ageneral guide to drying 19 Minimum drying standards 20 Primary and secondary damage 21 Triage, clearance and cleaning 22 6 Health and safety in flood damage repair 23 Primary legal standards applicable 23 Overall recommendations for flood repairs 25 7 Equipment for drying buildings 45 Types of dehumidifier 45 Refrigerant dehumidifiers 46 Desiccant dehumidifiers 46 Convection drying 47 viii
7 vi 8 Methods of drying buildings 49 Establishing a drying programme 49 Key factors in the drying process 51 Importance of monitoring 52 High temperatures 52 Vulnerable materials 52 Common problems 52 9 Monitoring the drying process 53 Monitoring equipment 53 Certificate of drying 54 Report of flooding event 56 Report of repairs to flood damaged property Standards for repairing flooded buildings Domestic insurance cover 73 The insurance contract 74 The policy excess 74 Policy conditions and exclusions 75 Prompt notification 75 Non-disclosure 76 Sum insured 76 Maintenance and repair 77 Flood resilient repairs Small businesses 79 Freehold, leasehold and tenancy issues 80 Scope of commercial insurance policies 81 Claims process Identifying and managing the flooding risk at a property 83 Susceptibility of contents and equipment 84 Susceptibility of buildings and fittings 85 Risk surveys 86 Flood event procedures 90 Using flood protection products a guide for purchasers Flood protection and flood mitigation products 93 Existing standards 94 Other types of flood protection products 96 Underwriting and risk 97 References and useful websites and other sources of information 99
8 vii Foreword Members of the Flood Repairs Forum British Damage Management Association Capita Insurance Services Tony Boobier Crawford and Company Adjusters UK Nick Clark Cunningham Lindsey United Kingdom Richard Ayton-Robinson Lloyds TSB Insurance Ian Jones Munters Ltd Alistair Phillips David Clifton Norwich Union (Aviva Plc) John Wickham Royal & Sun Alliance Plc Diana Blaskett University of Wolverhampton Professor David Proverbs Victor Samwinga When this guide was originally conceived in 2003, the intention was to fill a gap in the marketplace by putting all relevant knowledge held by the insurance and construction industries into a single document for those involved with the problem or risk of flooding of property. Overlying this new approach to dealing with flooding is the significant problem of global warming. Whether or not projected rising sea levels are realised, it is reasonable to suppose that global warming will lead to unusual weather patterns and, in turn, greater incidence of flash flooding. Other, often man-made, phenomena increase the likelihood of flooding rising water tables in some parts of the UK, for instance. Against this background, we the individual members of the Flood Repairs Forum representing organisations in insurance, investigation, loss adjusting, and construction and repair have shared our knowledge and experience to raise awareness of the key issues involved with flooding; and, out of this, to suggest best practice. Through better understanding of the issues we are confident that the service provided by the professional person, working with the homeowner or tenant to repair, mitigate and prevent flood damage, will lead to higher standards in repairing damage caused by flooding. Over time we believe that the Forum s collective experience will provide improvements in the ways that we deal with flooding. So if this proves to be only the first edition of many, we will know, in some part, that Repairing flooded buildings will have achieved its purpose. Our appreciation for the help in preparing this book goes to the British Damage Management Association, and the many unnamed individuals and organisations who gave us their time, all at no cost, in providing contributions, advice and support. Tony Boobier for the Flood Repairs Forum
9 viii Abbreviations ABI BDMA BSI CCTV CDM CILA CIRIA CORGI COSHH EA FPA HIP MDF N/A NHBC NICEIC PAS PAT PPE PVC-U RICS Association of British Insurers British Damage Management Association British Standards Institution controlled circuit television Construction (Design and Management) [Regulations] Chartered Institute of Loss Adjusters Construction Industry Research and Information Association Council for Registered Gas Installers Control of Substances Hazardous to Health [Regulations] Environment Agency Flood Protection Association Home Information Pack medium density fibreboard not applicable National House-Building Council National Inspection Council for Electrical Installation Contracting Publicly Available Specification portable appliance testing personal protective equipment unplasticised polyvinyl chloride Royal Institution of Chartered Surveyors
10 1 Chapter 1 Introduction Flooding is an issue that is likely to affect both home occupiers owners and tenants and the insurance industry for the foreseeable future. It causes distress to property owners and occupants, and the technical difficulties associated with the repair process can test experts to the limit. The background to this guide arises from the recognition that organisations in the insurance and construction industries can jointly offer solutions which bring together the main parties to restore insured property to its condition before the flooding event. Since flooding invariably involves more than one property, this joint industry approach often means involving all parties for all affected properties working together to produce mutually satisfactory results. The River Severn floods parts of Upton-upon-Severn several times each year
11 2 Introduction It is with this in mind that a group of like-minded professionals started to work together to create a manual of best practice aimed specifically, although not exclusively, at the insurance industry, professionals within that industry, and linked industries such as mortgage lending. It is not entirely intended as being a stand alone document indeed there is already a great amount of data and information available elsewhere but hopefully it will provide a useful reference document if used in isolation. The flow of the contents of the guide take the reader through the sequence of events in a flood claim from inspection, through the drying process, to the recommendation of flood resistant repairs. In addition it assists those who are perhaps less experienced in flood repairs to understand some of the basic insurance and technical issues involved, and some elemental requirements of customer care recognising that inadequate communication and management of expectation rests at the heart of many of the difficulties that occur. For the avoidance of doubt, this guide is concerned with large bodies of water not the effects of small or isolated events such as in the case of a burst water tank, although it is entirely feasible that some of the considerations that apply to large events would also apply to small scale flooding. The insurance and repair of flood damaged buildings is complex but Repairing flooded buildings attempts to simplify and apply logical organisation to these areas.
12 99 References and useful websites and other sources of information [1] Proverbs D and Soetanto R. Flood damaged property. Publication X178. London, Construction Industry Research and Information Association, 2004 [2] Trotman P, Sanders C and Harrison H. Understanding dampness. BRE Report BR 466. Garston, BRE Press, 2004 [3] Dill M J. A review of testing for moisture in materials. Publication C538. London, Construction Industry Research and Information Association, 2000 [4] English Heritage. Flooding and historic buildings. Technical Advice Note (Product Code 50776). Swindon, EH, 2004 [5] Floods and historic buildings. Proceedings of the Joint Conference of English Heritage and Shrewsbury and Atcham Borough Council, 27 March 2001 [6] Department for Transport, Local Government and the Regions. Preparing for floods. London, Office of the Deputy Prime Minister, [7] Association of British Insurers. Assessment of the cost and effect on future claims of installing flood damage resistant measures. London, ABI, 2003 [8] British Standards Institution. Flood protection products. Specification. Building apertures. Publicly Available Specification PAS :2003. London, BSI, 2003 [9] British Standards Institution. Flood protection products. Specification. Temporary and demountable products. Publicly Available Specification PAS :2003. London, BSI, 2003 [10] British Standards Institution. Flood protection products. Specification. Building skirt systems. Publicly Available Specification PAS :2003. London, BSI, 2003
13 100 References and useful websites Websites and other sources of information Association of British Insurers British Disaster Management Association Chartered Institute of Loss Adjusters Construction Industry Research and Information Association Department for Environment, Food and Rural Affairs Environment Agency Environment Agency s Flood Warning Service tel Environment Agency s Floodline tel English Heritage Flood Protection Association Health and Safety Executive HSE Infoline Institute of Public Loss Assessors Office of the Deputy Prime Minister Royal Institution of Chartered Surveyors
The Recent Floods An Insurer s Perspective
The Recent Floods An Insurer s Perspective Flooding in Surrey 2000/2007 2014 2 1 Flood - Actions Insurer s first priorities Get the people out (where necessary) and ensure safe Get the water out Dry the
More informationSIX STEPS TO PROPERTY LEVEL FLOOD RESILIENCE. Guidance for property owners
SIX STEPS TO PROPERTY LEVEL FLOOD RESILIENCE Guidance for property owners Acknowledgements The work leading to this guidance was undertaken as part of the SMARTeST project, which looked at technologies,
More informationSurvey of Flood Damage to Buildings Uncertainties and Standardisations
Survey of Flood Damage to Buildings Uncertainties and Standardisations by Professor David Proverbs Flood Research Group School of Engineering and the Built Environment University of Wolverhampton Climate
More informationPresentation by Michael Wade. Crown Representative for Insurance at the Cabinet Office of the UK Government. National Flood Conference Washington DC
Presentation by Michael Wade Crown Representative for Insurance at the Cabinet Office of the UK Government National Flood Conference Washington DC May 2015 Role of the Crown Representative.. Role of the
More informationPresentation by Michael Wade. Old Library, Lloyd s
Presentation by Michael Wade Old Library, Lloyd s 8 th December 2015 What are some of the roles for Government - funded by the Taxpayer - in regard to domestic flooding? To identify the risk and scope
More informationVery Smart People. www.mms.co.uk. August 2013. Evaluating Flood Risk: Buyers and Lenders. www.mms.co.uk
Very Smart People www.mms.co.uk August 2013 Evaluating Flood Risk: Buyers and Lenders www.mms.co.uk Index What is the concern? 1 Availability of Flood Insurance 1 Types of flooding 2 Flood risk assessment
More informationPROPERTY RISK MANAGEMENT BUSINESS EMERGENCY, FLOOD PLANNING AND MITIGATION GUIDANCE
PROPERTY RISK MANAGEMENT BUSINESS EMERGENCY, FLOOD PLANNING AND MITIGATION GUIDANCE 1 The most common cause of flooding is when the river catchment area receives far greater amounts of water than normal,
More informationGuidance Notes: INSURANCE
Page 1 of 5 Guidance Notes: INSURANCE If you are unsure about anything within these notes then please contact the Flood Risk Management (FRM) team using the details at the end of this document. If your
More informationPrepare your property for flooding
Prepare your property for flooding A guide for householders and small businesses We are the Environment Agency. We protect and improve the environment and make it a better place for people and wildlife.
More informationUnit FFL 1 Respond to requests for fire damage limitation work
Unit FFL 1 Respond to requests for fire damage limitation work FFL 1.1 FFL 1.2 FFL 1.3 FFL 1.4 Get and confirm details and specific information related to fire damage limitation jobs Agree initial plan
More informationCHANGING TIMES: The Property Management Landscape
CHANGING TIMES: The Property Management Landscape An industry report from Pi-Property Insurance Pi-Property Insurance π Introduction These are uncertain times for every business and while there is rolling
More informationWHAT OUR CLIENTS SAY. a Royal Charter and are subject to the Institute s Code of Conduct. All Policyholders' Loss Adjusters are FSA Regulated
The personal WHAT CILA HAVE TO SAY HELP FOR POLICYHOLDERS THE CHARTERED INSTITUTE OF LOSS ADJUSTERS Insurer's Loss Adjuster The Insurer's loss adjuster will visit the policyholder, within days after submission
More informationSection A: Introduction, Definitions and Principles of Infrastructure Resilience
Section A: Introduction, Definitions and Principles of Infrastructure Resilience A1. This section introduces infrastructure resilience, sets out the background and provides definitions. Introduction Purpose
More informationThis factsheet outlines the steps that homeowners living in flood risk areas can take to minimise the damage caused if flooding occurs.
Flood Resilient Flood Homes Resilient What homeowners Homes can do What to reduce homeowners flood damage can do to reduce flood damage This factsheet outlines the steps that homeowners living in flood
More informationA Guide to Flood Resilient Repairs
A Guide to Flood Resilient Repairs A Guide to Flood Resilient Repairs Some five million people live under the threat of flooding that s one in ten houses in the UK and 200,000 are very high risk. This
More informationWarmer Healthier Homes: A Consultation Paper on a new Fuel Poverty Strategy for Northern Ireland
Warmer Healthier Homes: A Consultation Paper on a new Fuel Poverty Strategy for Northern Ireland A Response by the Chartered Institute of Housing in Northern Ireland September 2010 The Chartered Institute
More informationGUIDANCE ON ELECTRICAL INSPECTIONS
GUIDANCE ON ELECTRICAL INSPECTIONS Electricity Electricity is a versatile and convenient source of energy. However, it can be potentially dangerous if the system has not been properly designed, installed,
More informationSafe, Warm & Secure. Home Improvement Loan Scheme. Application Form for Owner-Occupiers
Safe, Warm & Secure Home Improvement Loan Scheme Application Form for Owner-Occupiers Your completed application form, with contractors estimates, and an up-to-date statement of your existing mortgage,
More informationLoss Prevention Standard
Loss Prevention Standard : ISSUE 3.0 Requirements for the LPCB Approval and Listing of Companies Undertaking the Maintenance and Repair of Doorsets, Shutters, and Active Smoke/Fire Barriers This standard
More informationwww.defra.gov.uk Farm Fires Protecting farm animal welfare
www.defra.gov.uk Farm Fires Protecting farm animal welfare Front cover picture by Firepix International. Introduction 1. All farms are at risk of fire and each year there are over one thousand fires in
More informationqeb=^ppl`f^qflk=lc=_ofqfpe=fkprobop= ^ka= qeb=p`lqqfpe=dlsbokjbkq= ^=glfkq=pq^qbjbkq= lk= qeb=molsfpflk=lc=cilla=fkpro^k`b= = = ab`bj_bo=ommu
qeb=^ppl`f^qflk=lc=_ofqfpe=fkprobop= ^ka= qeb=p`lqqfpe=dlsbokjbkq= ^=glfkq=pq^qbjbkq= lk= qeb=molsfpflk=lc=cilla=fkpro^k`b= = = ab`bj_bo=ommu ^_fl=dlsbokjbkq=pq^qbjbkq= = lk=cillafkd=^ka=fkpro^k`b=clo=p`lqi^ka=
More informationFlooding advice & guidance
Flooding advice & guidance Conwy County Borough Council Environment Department www.conwy.gov.uk Useful contacts Conwy County Borough Council 24 hour flood response: 01492 577999 www.conwy.gov.uk/flooding
More informationprofessional information for CILA members ABI Domestic Subsidence Agreement (DSA) 1. ABI DOMESTIC SUBSIDENCE AGREEMENT ( DSA )
Technical bulletin professional information for CILA members TB 04 December 1999 ABI Domestic Subsidence Agreement (DSA) 1. ABI DOMESTIC SUBSIDENCE AGREEMENT ( DSA ) A new Domestic Subsidence Agreement
More informationASTFFL1 - SQA Unit Code H54C 04 Respond to requests for fire damage limitation work
Overview This standard is about responding to requests for fire damage limitation work. It includes confirming the details of fire damage limitation jobs, agreeing an initial plan of action and making
More informationFlood Products. Using Flood Protection Products - A guide for homeowners
This guide forms part of a research programme on reducing the impact of flooding supported by the following: The Association of British Insurers (ABI) The British Damage Management Association (BDMA) Building
More informationPreparing for Climate Change: Insurance and Small Business
The Geneva Papers, 2008, 33, (110 116) r 2008 The International Association for the Study of Insurance Economics 1018-5895/08 $30.00 www.palgrave-journals.com/gpp Preparing for Climate Change: Insurance
More informationFLOOD INSURANCE MADE SIMPLE
FLOOD INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance TAKE COVER FROM RISING WATER Flooding can be destructive to our lives, our homes and our wallets. However investing
More informationSample FURTHER ACTION FLOOD COMMERCIAL REPORT SUMMARY PROFESSIONAL OPINION. Address: Requested By: Date: Grid Ref: E: 123456 N: 123456.
COMMERCIAL 0.25HA REPORT SUMMARY SECTION 1: (INC. INSURABILITY) : NEXT STEPS: - CONSIDER PROTECTION SURVEY Address: 1 Lane, Street, Town Requested By: Conveyancing Liability Solutions Grid Ref: Date: References:
More informationFlood Warning & Evacuation Plan
1.00 Planning and Procedures for Staff / Management This Evacuation Plan records the contingency measures that have been drawn up to provide maximum safety to the management and staff using Esperanto Way
More informationRISK MANAGEMENT CLUB FOR THE VCS FEASIBILITY - MANAGEMENT SUMMARY JULY 2003
Management Summary July 2003 RISK MANAGEMENT CLUB FOR THE VCS FEASIBILITY - MANAGEMENT SUMMARY JULY 2003 Commissioned by: Charity Logistics www.charitylogistics.org Report by: Z/Yen Limited 5-7 St Helen
More informationFlood claims Your claim what happens next?
Flood claims Your claim what happens next? Now you ve made a claim We want to make the claims process as easy as possible by giving you as much support and information as we can. We ve put this guide together
More informationINFORMATION FOR LANDLORDS
INFORMATION FOR LANDLORDS Letting a property can be a rather frightening exercise for both a home owner and an investor without the right preparation. Robert Bell & Company Limited provide dedicated staff
More informationProtecting your property from Flooding. SCOTTISH ENVIRONMENT PROTECTION AGENCY www.sepa.org.uk
SCOTTISH ENVIRONMENT PROTECTION AGENCY www.sepa.org.uk Protecting your property from Flooding Contents Introduction... 3 The sources of flooding... 4 Assessing the risk of flooding... 5 How water can enter
More informationSummary of Cover. New Homes
Summary of Cover New Homes V4 The following is a summary of the cover provided by the LABC New Home Warranty. It does not contain the full terms and conditions of the cover; these can be found in your
More informationHome and Legacy Ultra Home Policy Summary
Home and Legacy Ultra Home Policy Summary This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full
More informationRSPH Level 3 Certificate in Asbestos Project Management. February 2013. 10 Guided Learning Hours 2 Prior Learning Hours
RSPH Level 3 Certificate in Asbestos Project Management February 2013 10 Guided Learning Hours 2 Prior Learning Hours Description The Control of Asbestos Regulations impose duties on every person who has,
More informationSample PASS: FLOOD RESIDENTIAL REPORT SUMMARY PROFESSIONAL OPINION. Address: Requested By: Date: Grid Ref: E: 123456 N: 123456.
RESIDENTIAL 0.25HA REPORT SUMMARY SECTION 1: : (INC. INSURABILITY) NO FURTHER RECOMMENDATIONS Address: 1 Lane, Street, Town Requested By: Conveyancing Liability Solutions Grid Ref: Date: References: PROFESSIONAL
More informationSAMPLE FLOOD COMMERCIAL 0.25HA FLOOD PASS PROFESSIONAL OPINION SECTION 1 FLOOD (INC. FLOOD INSURABILITY) PASS
PROFESSIONAL OPINION This summary should be read in conjunction with the full report. It should be disclosed to the client and any lender or insurer as appropriate. The Professional Opinion below summarises
More informationLet Property FlexiLet Buildings and Contents Insurance Summary of Cover
Let Property FlexiLet Buildings and Contents Insurance Summary of Cover www.towergate.co.uk Towergate Underwriting Let Property Flexilet Policy Summary Cover under this policy is arranged by Towergate
More informationNUstudenthomes PROPERTY MANAGEMENT SERVICE A GUIDE FOR LANDLORDS
NUstudenthomes PROPERTY MANAGEMENT SERVICE A GUIDE FOR LANDLORDS NUstudenthomes Student Services Newcastle University King s Gate Newcastle upon Tyne NE1 7RU Tel 0191 208 3333 WHAT IS THE NUstudenthomes
More informationHow To Comply With The Loss Prevention Certification Board
Loss Prevention Standard LPS 1014: Issue 5.3 This Loss Prevention Standard is the property of BRE Global Ltd. and is made publicly available for information purposes only. Its use for testing, assessment,
More informationFlood Incident Management - the next ten years
Flood Incident Management - the next ten years Consultation on the future of FlM in England and Wales, Aug Oct 2012 Table of Contents 1. About this consultation 3 1.1 Introduction 1.2 Why are we consulting?
More informationSUFFOLK COASTAL DISTRICT COUNCIL DOMESTIC FLOOD PROTECTION POLICY
SUFFOLK COASTAL DISTRICT COUNCIL DOMESTIC FLOOD PROTECTION POLICY 1. Introduction 1.1 The Council recognises the threat to local communities from flooding following severe weather events and as a result
More informationRiparian owners (of the river bank) have the prime responsibility to maintain their element of a watercourse.
7 November 2012 Introduction This leaflet provides information and advice on Flooding emergencies. Roles & Responsibilities Property Owners: Under common law, property owners have the main responsibility
More informationWatch out for Winter
Watch out for Winter Watch out for Winter As we begin to brace ourselves for the coming winter, it is so important that we plan ahead and be prepared We should all be mindful about adequately protecting
More informationwould your business stay afloat? A guide to preparing your business for flooding
would your business stay afloat? A guide to preparing your business for flooding Flooding is the most common and widespread natural disaster in the UK. Since 1998 there has been at least one serious flood
More informationWater Bill: Part 4 - Flood Insurance
Department for Environment, Food and Rural Affairs Water Bill: Part 4 - Flood Insurance Scope of Flood Re March 2014 Contents Introduction... 1 What criteria will be used to determine if a property is
More informationRisk Management Guidelines
Water Damage Risks Introduction Each year there are numerous insurance claims for damage to Buildings, Contents/Stock and Machinery caused by water. This Risk Management Guideline is intended to demonstrate
More informationLANDLORD INFORMATION PACK FOR RESIDENTIAL LETTINGS AND PROPERTY MANAGEMENT
LANDLORD INFORMATION PACK FOR RESIDENTIAL LETTINGS AND PROPERTY MANAGEMENT 25 High Street, Warwick, CV34 4BB 01926 492511 warwick@godfrey-payton.co.uk www.godfrey-payton.co.uk Godfrey-Payton has a huge
More informationThe Letting of. A guide to good practice and related issues
The Letting of Leasehold Flats A guide to good practice and related issues ARMA is grateful to the following organisations for their assistance in producing this guide: The Letting of Leasehold Flats A
More informationAviva response to the European Commission s Green Paper on the insurance of natural and man-made disasters
Aviva response to the European Commission s Green Paper on the insurance of natural and man-made disasters Aviva provides 34 million customers with insurance, savings and investment products. We are one
More informationRepairing your business or home after a flood how to limit damage and disruption in the future.
Repairing your business or home after a flood how to limit damage and disruption in the future. This factsheet provides customers who have been flooded or are likely to be affected by flooding with a guide
More informationWorking with Restoration Companies
Working with Restoration Companies Agenda This session will explore how best to work with restoration companies It will cover the following :- Initial instruction of restoration companies, what information
More informationAXA InsurAnce Flood GuIde
AXA InsurAnce Flood GuIde Commercial premises WELCOME TO AXA Introducing AXA One of the world s largest insurers With more than 52 million customers across the globe, AXA is one of the world s largest
More informationwould your business stay afloat?
would your business stay afloat? A guide to preparing your business for flooding Environment Agency A guide to preparing your business for flooding 0 Flooding is the most common and widespread natural
More informationProperty Management. The home of first-class. on a daily basis, we are committed to exceeding our client s expectations
1 The home of first-class Property Management We have been successfully letting and managing property since 1900 and we remain one of North Devon s leading Residential and Commercial Agents. From our centrally
More informationLANDLORDS INFORMATION PACK
ESTATE AGENTS Surveyors, Lettings & Management LANDLORDS INFORMATION PACK HAVE A HOUSE TO LET? LET US TAKE THE WEIGHT OFF YOUR SHOULDERS 16 Laburnum Terrace, Ashington, NE63 0XX Telephone: 01670 521 122
More informationINLAND WATERS OIL SPILL RESPONSE
ENERGY INSTITUTE INLAND WATERS OIL SPILL RESPONSE A GUIDANCE DOCUMENT INCORPORATING THE STRATEGIES AND TECHNIQUES FOR RESPONDING TO INLAND SURFACE WATER OIL SPILLS IN THE UNITED KINGDOM ENERGY INSTITUTE
More informationA clear guide to. Flooding. For property owners. rics.org/flooding
A clear guide to Flooding For property owners rics.org/flooding Contents 04 What is the risk to property from flooding? 07 How do I find out if my property, or a property I am thinking of buying, is at
More informationAfter a flood. Practical advice on recovering from a flood
After a flood Practical advice on recovering from a flood 11558_Flood leaflets_after_v6.indd 1 19/11/07 15:15:15 We are the Environment Agency. It s our job to make people aware of flooding from rivers
More informationASTFFL7 Respond to flood damage emergencies
Overview This standard is about responding to requests for flood damage limitation work. It includes confirming the details of flood damage limitation jobs, agreeing an initial plan of action, including
More informationcedardean commercial property restructuring Commercial Property For UK businesses affected by the recent floods and storms
cedardean commercial property restructuring Commercial Property For UK businesses affected by the recent floods and storms The recent severe weather has caused devastation to businesses across the country
More informationRESPONDING TO MAJOR FLOODS
RESPONDING TO MAJOR FLOODS What to expect from your home insurer How to minimise potential impact of flooding What if your home has been flooded The flood claims process Introduction This leaflet explains
More informationADVICE NOTE WATER LEAKS. How to prevent water leaks in your flat
ADVICE NOTE WATER LEAKS How to prevent water leaks in your flat 2 CONTENTS Note: As the leading trade body for residential leasehold management, ARMA is also an important resource for leaseholders. Our
More informationBusiness Continuity Planning
WWW. BASILDON. GOV. UK A guide to Business Continuity Planning Would your business survive a crisis? FOREWORD The Civil Contingencies Act 2004 introduced a responsibility on all local authorities to raise
More informationINFORMATION FOR LANDLORDS
INFORMATION FOR LANDLORDS CONTENTS 1. Consent To Let 2. Insurance 3. Energy Performance Certificate 4. HMRC Non-Resident Landlords (NRL) Scheme 5. Immigration Act 2014 6. Health & Safety a) Fire Risk Assessment
More informationNewport City Homes Compensation Policy (P5)
Newport City Homes Compensation Policy (P5) P5 Compensation policy 1. Introduction 1.1 Newport City Homes is committed to providing the best possible service at all times. 1.2 Newport City Homes recognises
More informationA Future Flood Resilient Built Environment
www.bre.co.uk White Paper A Future Flood Resilient Built Environment Dr Stephen Garvin, Director Centre for Resilience 01 Contents Introduction 02 The extent of the flood risk to the built environment
More informationHandling needles in the waste and recycling industry
Handling needles in the waste and recycling industry This good practice was written in consultation and with the support of the Waste Industry Safety and Health Forum (WISH). It does not aim to be comprehensive
More informationHome Insurance. Your Home Emergency policy summary.
Home Insurance Your Home Emergency policy summary. Bank of Scotland Home Emergency policy summary. Bank of Scotland Home Emergency is underwritten by Royal & Sun Alliance Insurance plc. It is an annual
More informationSignposting current guidance BD2760 www.communities.gov.uk
Guidance and standards for drying flood damaged buildings Signposting current guidance BD2760 www.communities.gov.uk Guidance and standards for drying flood damaged buildings Signposting current guidance
More informationA clear, impartial guide to. Renting a property. Tenant Moving in Checklist. rics.org/usefulguides
A clear, impartial guide to Renting a property Tenant Moving in Checklist Contents 03 How an RICS member can help you rent a property 04 The process 05 Finding a property to rent 07 Role of the letting
More informationHow To Dry A Building
RAINBOW INTERNATIONAL WHITEPAPER: ------------------------------------------------------------------------------------------------- Understanding Building Heat Drying Processes and choosing the correct
More informationCOMPULSORY PURCHASE PROCESS AND COMPENSATION
ROAD PROJECTS GUIDANCE ON THE COMPULSORY PURCHASE PROCESS AND COMPENSATION GUIDANCE ON THE COMPULSORY PURCHASE PROCESS AND COMPENSATION Transport Scotland 2007 Crown copyright 2007 ISBN: 978-1-906006-11-2
More informationAffordable Home Contents Insurance
Affordable Home Contents Insurance We remind all tenants and leaseholders to take out household contents insurance. You can do this either through this scheme, arranged by WDH, or by making your own private
More informationHow To Write A Flood Emergency Response Plan For Texamona University
Title: TTUHSC-El Paso Campus Flood Emergency Response Plan (FERP) Policy Number: 10.12 Regulation: Reference: Original Approval Date: Revised Date: Next Review Date: 09-09-2011 01-23-2013 01/2014 Policy
More informationA LANDLORD GUIDE TO THE LETTING & MANAGEMENT SERVICE
28 Bondgate Otley LS21 1AD 01943-467000 www.parkes-let.co.uk A LANDLORD GUIDE TO THE LETTING & MANAGEMENT SERVICE Deciding which Agent to instruct to let your property can for some Landlords, be a very
More informationA guide to landlords duties: Gas Safety (Installation and Use) Regulations 1998. What type of property is covered?
Landlords A guide to landlords duties: Gas Safety (Installation and Use) Regulations 1998 This leaflet is aimed at landlords and explains some of the main requirements of the Gas Safety (Installation and
More informationCode of Practice for Tracing Employers' Liability Insurance Policies
Code of Practice for Tracing Employers' Liability Insurance Policies Department for Work and Pensions 04/2010 Contents Ministerial foreword...3 Statement by the insurance industry...4 Contacting the ABI,
More informationA Guide to the Role of Community Flood Wardens
A Guide to the Role of Community Flood Wardens What is a Community Flood Warden Scheme? Community Flood Warden schemes are completely voluntary, and can consist of a single person or several people acting
More informationDEPARTMENT OF CODES AND BUILDING SAFETY FLOOD RECOVERY INFORMATION
May 2010 DEPARTMENT OF CODES AND BUILDING SAFETY FLOOD RECOVERY INFORMATION GUIDELINES FOR PERMITS ASSOCIATED WITH THE REPAIR OF FLOOD DAMAGED HOMES AND BUILDINGS The Department of Codes and Building Safety
More informationUNIVERSITY OF LEICESTER ESTATES & FACILITIES MANAGEMENT DIVISION ASBESTOS MANAGEMENT PLAN
UNIVERSITY OF LEICESTER ESTATES & FACILITIES MANAGEMENT DIVISION ASBESTOS MANAGEMENT PLAN Revision Date Nature of Revision Prepared by Approved by 0.2 Jul 2013 Initial draft for comment Jon Fahie 0.3 Sep
More informationBuilding façade maintenance
Building façade maintenance Legal liability and damage limitation A guide for building owners and occupiers What is a façade? The façade forms the external weatherproof envelope of a building. In modern
More informationYour Choice Equity Loan Scheme
Your Choice Equity Loan Scheme Assisting aspiring homeowners to get on to the property ladder Catalyst Housing (Catalyst) is a leading housing association delivering affordable homeownership products across
More informationPolicy on the Management of Asbestos
WISHAW AND DISTRICT HOUSING ASSOCIATION Policy on the Management of Asbestos As with all the Association s policies and procedures, this document, where required, may be able to be translated into other
More informationNational Occupational Standards. Valuation of Residential Property for Secured Lending
National Occupational Standards Valuation of Residential Property for Secured Lending Complete set September 2006 Onwards NATIONAL OCCUPATIONAL STANDARDS FOR THE VALUATION OF INDIVIDUAL RESIDENTIAL PROPERTY
More informationPreparing for Emergencies. Guide for Communities
Preparing for Emergencies Guide for Communities March 2011 Aim of this information: This leaflet will help you take the first steps to think about why and how you can help your community be prepared for
More informationBusiness Continuity Policy and Business Continuity Management System
Business Continuity Policy and Business Continuity Management System Summary: This policy sets out the structure for ensuring that the PCT has effective Business Continuity Plans in place in order to maintain
More informationResidential Property
Residential Property Glossary of terms The conveyancing process is unfortunately full of legal jargon, so we have produced this glossary to help you if you come across something you do not understand.
More informationHOME INSURANCE AND THE ROLE OF CLAIMS MANAGEMENT COMPANIES: TOP TIPS FROM THE ABI
HOME INSURANCE AND THE ROLE OF CLAIMS MANAGEMENT COMPANIES: TOP TIPS FROM THE ABI Design: iloveclive.co.uk What is a Claims Management Company? A Claims Management Company (CMC) is a company or third party
More informationStandards and accreditation. Tools for delivering better regulation
Standards and accreditation Tools for delivering better regulation Introduction Standards and accreditation are marketbased tools that can be used by Government policy makers to deliver better regulation.
More informationMULTI ALARM GB COMPANY PROFILE 1. ABOUT MULTI-ALARM SYSTEMS (GB) LTD 2. ORGANISATION 3. COMPANY DETAILS 4. HEALTH AND SAFETY POLICY STATEMENT
MULTI ALARM GB MULTI ALARM GB is the trading style of MULTI-ALARM SYSTEMS (GB) LTD. COMPANY PROFILE 1. ABOUT MULTI-ALARM SYSTEMS (GB) LTD 2. ORGANISATION 3. COMPANY DETAILS 4. HEALTH AND SAFETY POLICY
More informationEmergency Response and Business Continuity Management Policy
Emergency Response and Business Continuity Management Policy Owner: John Duffy, Registrar & Secretary Last updated: September 2012 Version: 04 Document control Date Version Author Changes To be populated
More informationADVICE NOTE INSURANCE. A guide to insurance for your block of flats
ADVICE NOTE INSURANCE A guide to insurance for your block of flats 2 CONTENTS Note: As the leading trade body for residential leasehold management, ARMA is also an important resource for leaseholders.
More informationGenetic conditions and insurance. What you need to know and what you need to tell
Genetic conditions and insurance What you need to know and what you need to tell About this booklet This information booklet has been produced to provide accessible and impartial information for people
More informationOur Experts. James Reader. John Blundell. Executive Leadership Team. Chief Executive Officer. Deputy Chief Executive
Our Experts Executive Leadership Team James Reader Chief Executive Officer James was appointed Chief Executive in October 2012 and is responsible for the strategic direction and performance of the business.
More informationSummary of SFRA Data. Contribution to SFRA. Data Category Format Source. Licensing
Summary of Data Data Category Format Source Climate Change Scenarios for the United Kingdom: The UKCIP02 Scientific Climate Climate Change and London Transport Systems Climate London s Warming: A Climate
More informationRepairs a guide for landlords and tenants. housing
Repairs a guide for landlords and tenants housing This booklet does not give an authoritative interpretation of the law; only the courts can do that. Nor does it cover every case. If you are in doubt about
More informationUnderstanding insurance and risk management A guide for community groups who organise events
Understanding insurance and risk management A guide for community groups who organise events Introduction 1 This booklet aims to give general advice, assistance and provide further information on insurance
More informationAdviceguide Advice that makes a difference
Buildings insurance What is buildings insurance Buildings insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors, doors and windows. Outdoor
More information