Domestic Boiler v Commercial Boiler

Domestic Boiler v Commercial Boiler

Following on from my post yesterday, I received a question asking how would a commercial premises ever have a boiler for domestic purposes? The reality is, exactly the same boiler could be used for commercial purposes in one business and only be used for domestic purposes in another. When it comes to insurance, a boiler, say a hot water system or a coffee machine that […]

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More on the composite cladding issue

More on the composite cladding issue

One of the biggest issues facing the construction and insurance industries of late has been the use of composite paneling. Of course linked to this is the number of fires involving extruded polystyrene “XPS” in cool rooms. I am anxious to learn as much as I can about the issues as is Steve Manning and we acknowledge those that are assisting us including AXA UK […]

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Where insurance can appear unfair and not in the best interests of the consumer

Where insurance can appear unfair and not in the best interests of the consumer

There are a couple of areas of the law that can appear to be unfair to an insured. A recent case has highlighted one. In Globe Church Incorporated v Allianz Australia Insurance Limited & Anor [2019] NSWCA 27 Globe Church argued that time started to accrue when the ISR insurers breached their obligations under the policy by not indemnifying Globe Church and not from the […]

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Has a precedent been set that will allow others to seek recovery due to non-conforming building materials?

Has a precedent been set that will allow others to seek recovery due to non-conforming building materials?

It was reported in The Age today that builders LU Simon have been ordered to pay $5.748m to the 211 applicants in the case of the fire at the Lacrosse building in Melbourne’s Docklands following a fire in 2014 that was fueled by combustible cladding. However, it has also been reported that while LU Simon will have to pay the initial sum, other respondents in the case […]

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Yet another fire at a recycle centre while millions collected in taxes

Yet another fire at a recycle centre while millions collected in taxes

A metal recycle premises in Garbutt Queensland is the latest recycle company to have a fire. For a full list of the fires in this industry that occurred last year, please go to this post. Meanwhile Local councils across Melbourne are facing the growing prospect of having to dump tonnes of household recyclable material in landfill after the environment watchdog ordered a major recycling company […]

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Composite Cladding – An update

Composite Cladding – An update

Today the Victorian Building Authority was informed that CertMark International (“CMI”), a product certification body under the CodeMark Scheme, has withdrawn nine certificates for cladding systems, including aluminium composite panels (ACP) and expanded polystyrene (EPS). The nine withdrawn certificates are: CM40029 Ozone Panel Building Systems CM40066 Alpolic A2 CM40067 Alpolic FR CM40076 Ultrabond FR CM40079 Vitrabond FR CM40082 Dulux Exsulite TM Kooltherm Façade System CM40093 […]

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The danger to an Insured when they ignore known risks

The danger to an Insured when they ignore known risks

While carrying out training earlier this week, I was approached by a concerned underwriter who explained that one of their senior risk surveyors had carried out a risk survey on a high rise building and they identified that the fixing mechanisms to hold the cladding in place were deteriorating and there was a real chance that pieces, or whole sections, of the cladding could fall, […]

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Even before we get a chance to stuff up, we are being criticised by the media and politicians. Let’s get real.

Even before we get a chance to stuff up, we are being criticised by the media and politicians. Let’s get real.

I thought, with the long overdue departure of Karl Stefanovic, who so unfairly attacked the industry after the Brisbane floods that I stopped watching the Today Show, that we would be getting more balanced reporting by the media. However, no doubt picking up on the Deputy Premier’s call for banks and insurers to “lift their socks” and show compassion to North Queenslanders’ affected by the […]

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Are some insurers setting small business up to fail?

Are some insurers setting small business up to fail?

I have seen some very ordinary insurance policies over the years that, in my opinion, offer inadequate protection to an insured. One of our Sydney team shared a wording with me that he is trying to assist an Insured on. Here is his accurate summary of the issues. =============================================================== First – GST included in sums insured – Hidden away on page 99 out of 108. […]

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A couple of examples of excellent Service – Chubb Insurance and Hoselink

A couple of examples of excellent Service – Chubb Insurance and Hoselink

Claims even happen to those like me in the industry and I have written on times when I had terrible service to the point I changed our business insurer. Over the weekend my home had some water entry. I was home at the time of the storm and having been woken by it went around the home and as soon as I saw the problem […]

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