WINTER IS COMING Winter weather advice webinar
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1 WINTER IS COMING Winter weather advice webinar
2 Your team today Anne Jackson Sales Director, Lorega Angus Tucker Managing Director, Lorega Solutions Sarah Morton Sales and Marketing Manager, Lorega
3 Agenda Working with Lorega Immediate Triage Advice Claim case study 7 tips for customers going on holiday Loss Recovery Insurance Lorega Expert
4 WORKING WITH LOREGA Expert Help, When You Need It
5 Our brand and values At Lorega, we believe that all business and home owners should have access to Expert Help, exactly when they need it. We provide this through a range of innovative insurance products and services, giving practical help and advice to get customers back up and running when disaster strikes. Whenever there s a crisis threatening their business or home, we have a team of Experts who can ensure peace of mind.
6 A wide range of products and services
7 Winter Claims immediate triage advice Are the services still operating? If so, does this present a potential problem? Always act as if uninsured what is business critical? Take photographs of the damage the more the better!
8 Winter Claims immediate triage advice If possible move undamaged stock and contents above flood water level Move undamaged goods away from damaged goods to prevent contamination If perishable stock saturated move before it becomes a health hazard. If uncertain take advice from Environmental Health Officer
9 Winter Claims immediate triage advice Take all necessary immediate measures such as mopping up Ensure premises are well ventilated If necessary contact specialist Damage Management company Isolate anything salvageable and do not dispose of it.
10 Winter Claims immediate triage advice Secure uninhabitable premises that will be left unattended If tenant contact landlord /managing agent asap and request necessary urgent action If premises uninhabitable try to locate suitable alternative premises for temporary trading Reallocate internal resources from unaffected areas
11 Winter Claims immediate triage advice Contact customers to advise and reassure them Prioritise key customers as business initially recovers Create separate cost code in accounts specific to flood/storm damage to enable easy tracking of claim costs Last but not least ensure immediate contact of your insurance broker for advice and guidance
12 CASE STUDY Burst Pipe Claim
13 Burst Pipe case study High net worth property on the south coast Separate buildings and contents cover 16 Dec vacated for holiday Very cold weather led to burst pipe Neighbour/key holder access Water cascading down stairs and through ceilings
14 Burst Pipe case study
15 Burst Pipe case study Insured was abroad at the time Both insurers notified and damage reclamation services offered By mid Jan, no action or attendance despite repeated requests Ongoing deterioration Lorega contacted Damage assessed and initial measures proposed and introduced
16 Burst Pipe case study Immediate measures water supply, electrics, security Specialist damage reclamation water removal and drying Extent of damage identified and reported Cost of claim settled promptly
17 Tips for winter trips Share these with customers
18 7 tips to share with your customers Make sure the policy covers long absences it s no use having cover if it isn t valid for the entire trip. In most cases this will be 30 days, and some policies may even ask that somebody visits the property every week. Ensure all door and window locks are secure in 72% of break-in cases, a burglar will enter through a door, according to LockRite statistics. 15% of those will Lorega get in Ltd because the door has simply been left unlocked Take contact details for emergency contractors write them down or have them saved on your phone, just in case you need them while away. Preparation is key and will help should something happen when abroad Ensure your alarm is in full working order check this before you go, and make sure it has a regular service (every 12 months). Many HNW policies will have this service contract as a requirement. Switch off the water mains an easy one to forget but an even easier one to prevent disasters from occurring. Turning off the water supply can help avoid issues, but may also be required as part of the policy Tell a trusted neighbour let them know that you are going away, and make sure they have a spare key should the worst occur. This will make the insurance process easier and, in some instances, can help to mitigate the loss. As a lesson to learn from the above case study, it s a good idea to ensure your neighbours have your contact details Avoid posting about going away on social media while it s tempting to show followers that you re jetting off to the sun, this tips others off that the house will be empty for the duration of the trip
19 LOSS RECOVERY INSURANCE About the product
20 Loss Recovery Insurance An insurance policy which provides and pays for the cost of an expert loss adjuster to help prepare, negotiate and settle Commercial Property MD/BI and Home Buildings/Contents claims above 5000.
21 Policy Features Pays fees of a Chartered Loss Adjuster Provides unlimited expert advice and assistance Accessible service 24/7 UK wide service Helps with losses from 5k with no upper limit Affordable premiums
22 Benefits to your customers Fast response at a time of crisis Peace of mind Professional claims formulation and negotiation Best available settlement Reduces time and costs of dealing with the claim Avoids paying fees for after the event help Business survival Minimises disruption to lifestyle
23 Benefits to brokers Exceptional claims service for your clients Additional revenue opportunity Reduces time and cost of claims handling Protects client relationships Helps you to retain and win new clients
24 Exclusions Loss Recovery products exclude claims in respect of Personal injury and liability Marine Aviation Motor Personal property (commercial claims only) Subsidence, landslip or heave Uninsured losses Civil proceedings Claims outside the United Kingdom
25 How to transact Simple Quote and Buy online system Documentation available online Rates for both commercial and private clients 24/7 claims notification service Online FNOL service Resources and help at
26 LOREGA EXPERT After the event service
27 Lorega Expert 24/7 access to claims expertise for clients not covered by a Loss Recovery policy Fee-based service, charged as an hourly rate or a percentage of the agreed claim File audit services Peace of mind for home and business owners
28 THANK YOU FOR LISTENING Any questions? Anne Jackson Sarah Morton Angus Tucker
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