Simon Hurst BA (Hons) ACII FIRM Director

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1 Simon Hurst BA (Hons) ACII FIRM Director

2 Polygon UK & Global Through the continuous development of our people, services and processes we create value for our customers by delivering quick Response, absolute Reliability and outstanding Results, in the mitigation, control and prevention of the effects of water, humidity and fire. 15 countries + worldwide 250,000+ jobs per year Revenue 436m Focused only on property damage restoration & industrial humidity control

3 Polygon Core Service offering in the UK 24/7/365 Property Damage Restoration Water, Fire and Accidental Damage Major and Complex Loss HNW, Commercial, Industrial and Specialist Leak Detection, Trace & Access Non Destructive Graffiti Removal Environmentally sensitive Temporary Humidity Control Bespoke Drying Projects and Rental

4 Polygon UK PDRS and LD Services 3 Regional Directors 12 Area Operations Managers 12 Area offices / depots North Region London & South East Region Central & South West Region Fully Employed Team Specialist Leak Detection Techs 24/7/365 Claims Centre Huntingdon M&CL Commercial Claims Centre - Cannock

5 Innovations in the DR industry HPV Drying Remote Monitoring Torc System Heat Mats Latex Major & Complex Loss handling Speed Drying methods Trace & Access techniques Support Services

6 High pressure vacuum drying (HPV) Background When moisture is trapped in a void it has no way to escape Historically the only option is to strip out the wall or floor to dry the cavity, leading to High costs of reinstatement, Disruption for the policyholder High AA costs for the insurer If cavity e.g floating floor is not recognised, moisture migrates up walls over time leading to further claim costs Solution Polygon use of HPV in appropriate circumstances Higher drying costs initially due to longer set up but leading to much lower overall claim costs Commercial and domestic applications Vacuum far better than blowing air into cavity moisture is removed, not just moved somewhere else

7 HPV (high pressure vacuum) can be used on different types of properties typical application FLOATING FLOOR (typical modern construction) Skirting Film of water Chipboard Or Screed Insulation Base slab Dry lining Sole Plate Claim Lifecycle Indemnity Spend Customer Journey Reduced through targeted drying times Reduced considerably through reduction in reinstatement/ strip out works Quicker handover to building contractors Lower claim management cost Depending on strip out and reinstatement costs avoided 3k- 10k per claim Reduction Alternative Accommodation ~ easily 1-2k per claim Policyholder remains in their home Reduced disruption for children/ vulnerable Hi tech solution high customer satisfaction dpm

8 Remote Monitoring Key features Remote monitoring sensors in appropriate claims enabling drying progress to be managed remotely through a web portal. PH fewer days off work due to reduced monitoring visits, More precise control particular conditions can be respected Services of all trades are joined up shorter claim cycle following trades have notice of when drying will be complete Gives increased stakeholder control they can see progress Used often with HPV drying to effectively dry floating floors and cavities System can alert personnel by text when conditions are outside of set parameters Can be used in both domestic and commercial environments Key benefits Claim Lifecycle Indemnity Spend Customer Journey Lifecycle reduction 1-2 weeks Properties not over dried progress monitored from any browser. SMS warnings No dead time between suppliers Visibility of equipment being switched off Cost reduction Savings Alternative Accommodation Less cost to administer claim Fewer days off work as less site visits to attend Customer can see the progress expectations managed Less disruptionreturn home quicker

9 Polygon innovations: Torc system for stone cleaning in DR application Key Benefits English heritage approved Very gentle on stone Highly effective at removal of ingrained smoke material Improvement over traditional methods Unique blasting nozzle Delicate enough to remove ink from paper or

10 Polygon bring Torc cleaning technology into mainstream fire restoration

11 Heat Mats Targeted application of heat to problem/ inaccessible areas (in appropriate cases can be used in place of traditional tenting / cocooning or encapsulation techniques) Key Benefits Reduced drying times and claim cycle Reduction in reinstatement costs Overall reduction in claim cost and improved customer satisfaction Lower energy environmentally friendly Low noise pollution

12 Kitchen floor with heat mat installed

13 Thermography image of kitchen floor with heat mats in operation

14 Polygon fire damage: Latex film - domestic example Key Benefits Removes ingrained smoke residue Prevents expensive rebuild costs Enhanced customer satisfaction Use on wood and stone

15 Polygon Major & Complex Loss Consultancy Approach designed to assist Loss Adjusters with multiple methodologies Dedicated Project Managers Specialist Claims Team 1800sq m Technical Reconditioning Centre

16 Speed Drying Systems Polygon have been rapid drying for over 30 years in the UK and currently have a range of systems However, experience has demonstrated that rapid drying is very effective in the appropriate circumstances It is not the solution for every wet property.. Wide variety available, known as Speed drying, Rapid Drying Systems, Hydronic drying, Hydrothermic drying amongst others Based on the principal of filling a property with hot dry air (temperatures of between 30 and 70 degrees centigrade are suggested). and increasing the air pressure to allow greater capture of moisture per cubic meter.. The hot dry air becomes highly moisture absorbent and rapidly draws moisture from walls and floors. The moisture saturated air is then purged from from the building by either external venting or internal dehumidification. The systems are commonly trailer mounted and powered by diesel Whilst some companies sell remote monitoring typically these applications require close supervision by trained operatives. Can be high risk due to over-drying / overheating and taking moisture from equilibrium areas,

17 Trace, Access (& fix) including tile removal The new world Trace Non-destructive, precise detection that reduces excavation costs Infra-red leak detection Electro Acoustic sound profiling Tracer Gas Endoscopy Access Qualified plumbers trained to access with minimum disturbance Tile removal no damage Fix Subject to the use of British Standard fittings Polygon will fix the leak either at insurer or policyholder cost Fixed price

18 Tile Removal Case Study Background 65 sqm tiled floor Tiles imported from Spain First noticed water damage to skirting board Polygon instructed to conduct Trace & Access survey PH stressed they wanted minimal disruption. No spare tiles Tiles lifted intact to locate and fix leak Cost Breakdown Tiles per sqm Material cost for tiles 5, Labour cost to remove floor and replace Subsequent related on cost to Kitchen

19 Support Services Removal and storage of contents nationwide Strip out and builder services Emergency electricians and plumbers Laundry and dry cleaning Document restoration (Water & Fire) Furniture repair and restoration Asbestos testing and removal Skips nationwide

20 Polygon UK Key contact details Domestic Claims Centre Tel: (24/7) Fax Leak Detection (Trace & Access) Tel: Claims Centre Manager Julie Bartoszyk Office Claims Team Managers Mina Mahli (Northern) Peter Rollason (Central & South West) Carol Bedford (London & South East) Natalie Hicks Leak Detection (National)

21 Polygon UK Key contact details Commercial & Major Loss Claims Centre Tel: (24/7) alt Fax Office Claims Manager Mina Mahli Claims Advisers Jayne Wheeler / Carol Gill Susan Molloy Major Loss Director Simon Hurst : simon.hurst@polygongroup.com Major Loss Ops Manager Steve Rowen steve.rowen@polygongroup.com Project Manager North Andrew Fletcher andrew.fletcher@polygongroup.com Project Manager South Wayne Coveney wayne.coveney@polygongroup.com

22 Questions? Questions? Questions? Questions?

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