what we do

fire claims

How do Fire Claims work?

When a business is affected by a major fire, it is normal for independent loss assessors to be appointed to calculate the material damage and business interruption losses and to enter into negotiations with insurers and their loss adjusters.

Specialist legal input is, however, required when;

  • There is a dispute about the legal interpretation of the insurance policy.
  • Where insurers repudiate (refuse to make payment) alleging, for example, breach of warranty or material non-disclosure.
  • Where there is under insurance.
  • Where insurers are entitled to refuse payment and it is necessary to consider whether an insurance professional, such as a broker or valuer is responsible.
  • Where there is no claim against either the insurers or the insurance professionals, it may be necessary to consider potential claims against other parties who bear responsibility for the fire damage (for example, neighbours, building designers and fire protection consultants).
    Ward Hadaway is a full service commercial litigation practice with substantial resources and experience of bringing a wide range of such cases to a satisfactory conclusion, preferably by way of a negotiated settlement, but if necessary by proceedings in the High Court.

About our Staff

fire damage claims

Ian Collinson leads the Commercial Litigation Team and has a wide experience of civil disputes including financial services disputes, insurance claims, complex trust claims, professional negligence and public sector disputes.

He is described by directories as 'intelligent, understanding and responsive' with 'a remarkable knack of getting to the heart of the matter quickly on complicated matters with commercially minded, practical advice'.

The 2007 edition of Legal 500 describes him as 'simply excellent'.

latest news

Allegations of collusion

08 March 2010

Insurers frequently suggest or imply that the owner of a building which has burnt down was in collusion with the arsonists. Alternatively it is suggested that one of the owner's employees colluded with the arsonist (policies often exclude liability for such fires). However an insurer is required to produce positive proof of such an allegation. It is easy to raise suspi...

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