Insurance Claims Solicitor
We offer supportive and Expert insurance claim services to clients in london and beyond
Contact our Insurance claims team
Freeman Harris have developed a speciality in dealing with insurance disputes. We have settled complex cases overlooking a range of insurance issues from building insurance claims to flood and fire insurance disputes.
Assessing legal recourse against insurer
We can directly assist you in identifying if you have a legal recourse if your insurer is refusing to meet your claim. This can be a difficult and often time consuming process, however, due to our experience, we have learned how to make the process efficient.
Once we understand the strength of your case, we can devise a strategy that helps you achieve the intended results.
We work in the following areas of insurance claims –
- Building insurance
- Life insurance
- Fire insurance
- Flood insurance
- Vehicle insurance
Person A vs. Building Insurer
Person A, the claimant, is a young enterprising Londoner. He bought a derelict Victorian building in a town on the Essex coast with a view to converting it into several self-contained flats. He went to his usual insurance broker and purchased a building cover whilst he renovated the building. The building was not occupied during the renovation stage, and he travelled to supervise the builders from his London home. The renovation was going well, and 2 flats on the upper floors were completed. One day he received a call from one of his contacts that a local TV channel was covering a fire at his property. The local fire brigade attended quenched the fire, but the building was completely destroyed.
He reported the incident to his building insurers who appointed their own investigators known in the industry as loss assessors. He in turn appointed his own advisors which in the industry are known as loss adjusters. The investigation and negotiations between the two appointed agents continued leading to the insurers to refuse his claim under the contract of insurance on the grounds that he was in breach of the terms of the contract and had failed to report material fact when the policy was purchased.
As in many cases Person A did not consult lawyers in the hope that loss adjusters would be able to settle his claim. Once the claim was rejected Person A instructed Abdul Hafezi to take over the claim from loss adjusters and deal with the insurers and their lawyers.
We agreed to deal with his claim under the no win no fee regime. Insurers continued to deny liability and alleged that apart from material non-disclosure the fire had been caused by defective electrical installation. We attended the premises, took photographs and appointed an electrical contractor to attend the damaged building and prepare a report on the state of the electric installation before the fire. We took detailed statement from Person A, insurance broker Person A’s brother who was managing the project and number of other tradesmen who had worked on the building before the fire. We arranged for purchase of an insurance cover known in the industry as legal expense cover. There is a premium for this policy but only to be paid by Person A if the claim was successful.
The precaution negotiation did not go well. We instructed a senior/junior barrister also on no win no fee basis and instigated proceeding in the Central London County Court. Two years into the litigation and under an obligation imposed by the civil procedure rules the clam was mediated by an independent mediator appointed by the parties. As often happens after whole day at mediation the claim was settled by the insurers together with MA’s legal costs.
It should be noted that since 2013 one cannot recover the extra fee we charge known as success fee and the insurance premium from the insurers and these were deducted from the damages recovered by MA.
insurance policies are often bought via a broker and more than not on the net by completing a proposal form. At the end of the form is a declaration which one would sign. It stats that you have an obligation to disclose all facts leaving it to the insurers to decide if it/they are material to the policy sought. There is a principal known as Good faith in insurance contracts. The onus is on you the proposer to act in good faith and disclose all facts to unable the under writer to assess the risk and determine the premium. Insurers always looks at this point whenever a claim is made and it is thus important to set out comprehensive history on the proposal form to avoid the heartache of rejection.
We are drafting the FAQs, and we will update this shortly.
Insurance Claims Fees
Insurance Claim Advice
No Win, No Fee (CFA)
Damaged Based Agreements (DBA)
Fees inclusive of VAT