Bell & Co News

Most property losses are sustained during winter months due to weather or storms.

Find out how to protect your property during the Winter Months

December 2017

Preparation and forward planning could avert or minimise a significant number of claims.

Emphasis should be placed on the prevention of water damage due to the freezing and bursting of water pipes, especially sprinkler systems where extensive damage can result. Material Damage Insurance Policies often contain specific conditions known as Policy Warranties stating that certain precautions will be taken. Alternatively, Insurers may apply a “reasonable” Precautions Clause, requiring the Policyholder to demonstrate that they have taken reasonable measures to protect their property.

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