Insurance

How To Make a Claim

Common Insurance

Insuring your property under a common buildings policy might not always be the cheapest way to insure your investment, but it is without doubt the best method for common blocks and flatted developments.  It is why Deed of Conditions (Title Deeds) places obligations on owners to collectively insure under a single policy, through the managing agent.

Insurance Reinstatement Value

Your home is likely to be the biggest investment you will make in your lifetime, so it’s really important that you insure for the full reinstatement value, against all general risks.  BCIS (RICS – Building Cost Information Service) recommends that property sums insured are professionally revalued at least once every 5 years.  Further information is available here from BCIS.  Speirs Gumley can obtain quotations from professional valuation surveyors, on behalf of development owners, but bear in mind that often we don’t have the authority to do so without explicit (majority) consent.  If you are concerned that you may not have had a revaluation in the past 5 years, or that your sum insured does not meet current reinstatement value, please contact us to request quotations.

Escape of water

Escape of water is the most common reason for insurance claims.  Our brokers have prepared a guide to help you understand why claims are increasing and what you can do to minimise the risk. You can download the guide in PDF format here.

Insurance Act 2015

You can download our information guide in PDF format here.

Insurance Commission

You can download our Q & A in PDF format here.

Play Areas

We don’t insure play areas for material damage because our experience is that the cost of insuring potentially outweighs the benefit, but if owners prefer it to be insured we will be happy to do so at additional cost.  If you require any further information email insurance@speirsgumley.com

How to make a claim

Details of how to make a claim can be downloaded in PDF format here.

Our preferred insurance contractors

Should you require the services of a specialist insurance contractor details of our approved contractors are listed below.  You are not obliged to use these contractors and may obtain estimate(s) from your own chosen contractor.  Please note that a minimum of two estimates are required for any claims if the anticipated costs exceed £1000.

These contractors cover Glasgow, Ayr, Prestwick, Edinburgh, Stirling and Greenock.

        • Paterson Builders – 0845 226 0354
        • Robb Reinstatement – 0131 561 4489

Insurance Claim – Notification of Loss

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Red Tree Magenta, 270 Glasgow Road, Glasgow G73 1UZ Tel: 0141 332 9225 Fax: 0141 332 7899 Email: glasgow@speirsgumley.com
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