Large gum trees in residential areas pose a threat to life and property

Large gum trees in residential areas pose a threat to life and property

Like most people I am all for protecting the environment and greening our towns and cities but we do need to balance this with the risk to life and property. Today in much of South East Australia strong winds are again forecast. As a child growing up in Brisbane I always thought of August as Kite month. While the weather is great for kites it […]

Read Me

Beware harsh exclusions that turn the policy into junk insurance

Beware harsh exclusions that turn the policy into junk insurance

Over the past few years more and more claims have been brought to my attention where the client cannot believe that their claim has been denied. The cases that I refer to are ones where the claim has been denied for faulty workmanship, faulty design or faulty products/materials and there is no write back provision for subsequent damage to the property from a peril not […]

Read Me

Messages from Mansfield Awards

Messages from Mansfield Awards

On Thursday night, the 3rd Annual Mansfield Awards for Claims Excellence were held in Sydney. It was great to see so many claims teams and senior management supporting their teams in attendance. While the night shone a beacon on those that truly embrace the important promise that quality insurance and claims service delivers it also highlighted a number of important issues. Gary Dransfield from Suncorp […]

Read Me

The latest ratings updates are now on ClaimsComparison.com

The latest ratings updates are now on ClaimsComparison.com

Anyone who has ever had a claim realises how important the claims service of their insurer is at the moment of truth. This extends to any company or individual that is acting on behalf of the insurer during the claim process such as loss adjusters, investigators, panel builders, lawyers, engineers etc. At the end of the day, the Insured who often does not know who […]

Read Me

An Enquiry into the construction industry is long overdue

An Enquiry into the construction industry is long overdue

The long list of failures to deliver safe buildings continues to grow following the fires in high rise buildings with non conforming building materials, the walkway collapse between the Alluvian building and West Australia Square in Perth and the severe cracking in several buildings in New South Wales. Add to this the ever increasing list of faulty products being imported into Australia including electrical wiring […]

Read Me

More on engineers’ fees

More on engineers’ fees

Earlier this week I posted an article explaining the coverage afforded by the additional benefit found in most quality property insurance policies, both home and commercial, for architects, engineers, clerk’s of works etc. This morning I received this note from one of the LMI team in New Zealand. I have read your article on professional fees with interest as I had a similar argument with […]

Read Me

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 […]

Read Me

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 […]

Read Me

The floods in Townsville should put an end to any talk of a mutual

The floods in Townsville should put an end to any talk of a mutual

Over the past couple of years there has been much talk of setting up a mutual to cover property risks in North Queensland. The reality is, had one been set up, this one event occurring in the first year of operation would have more than likely bankrupted the mutual and those that Insured through the mutual would have lost their premium and found themselves inadequately […]

Read Me

2 x Storm and tempest issues

2 x Storm and tempest issues

When I started in insurance, storm and tempest to fences was excluded property. This remains the case in many commercial policies although some have sub-limits. While stationed in Perth from mid-1990 to September 1991, one insurer started to offer storm and tempest cover to fencing. At the time, my thought was: do you know the pandora’s box you have just opened up? Yet the market […]

Read Me