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Get an Insurance Quote, Agree Your Claim & Complete All Repairs in One AMAZING FREE SERVICE*

*Subject to Terms of Business

An Expert Service For Managing Agents

A start to finish service for managing agents of blocks of flats when they have property damage reported to them which would result in an insurance claim from one of their leaseholders. The damage is usually to ceilings, walls and floor finishes as a result of a leak or burst pipe but could also be due to an accidental fire. This service also covers claims from hidden leaks where non-destructive leak detection is required prior to the making of an insurance claim.


When your clients have a claim, you may be required to obtain pertinent facts, advise on whether the claim is likely to be valid depending on policy cover, and assist the client in completing a claims form.

Your client will be asked to obtain 2 or 3 quotes from builders who typically are not always interested in attending to quote for "an insurance job" as there is no assurance as to whether they will get the work or when they will get paid. Clients are not always sure of what exactly insurers will pay for from all the damage which has been caused and it is left up to the client to ensure that the builder or the insurer's own appointed contractor scopes the reinstatement works correctly so as to restore the client's premises into its pre-loss condition.

If items have been left out the client will be unhappy, and if items have been included by builders but not covered by insurers, loss adjusters will delay authorisation for works to start or settle the claim at too low a value. This all involves a lot of time for you the managing agent and any delay or negative experience in how the claim is dealt with can only serve to strain the relationship between the property manager and the leaseholder.



When you request us to contact the leaseholder to deal with an insurable incident you are in effect providing a premium service to the homeowner which is characterised by prompt action and high customer service from professionals who settle insurance claims every day.

What Actually Happens - Step By Step ?

Once we are instructed, we will attend the risk address to meet with the flat owner to obtain the relevant facts and the steps leading up to the incident. At this meeting we would have formed a view as to whether, in our opinion, the claim is valid according to the terms of the policy. In the same meeting we would carry out a detailed survey of the damage to include photos, measurements and moisture readings in the case of water damage. The incident report with our view on validation, the scope of works with costs broken down by item along with the flat owner's / freeholder's instruction / mandate will be sent to insurers after which we proactively pursue settlement. Usually insurers will appoint loss adjusters and we will arrange a meeting with them on site. The purpose of the meeting is for insurers to validate the claim and agree costs with us. Once costs are agreed, which is often at the meeting or a few days later, we would instruct our contractors to carry out all drying and reinstatement works with our invoice going direct to insurers. We are able to settle and negotiate claims directly with adjusters because of the nature of the service we provide and our FCA registration.

So How Does The Homeowner Benefit From Using Us?

• Fewer Claims Repudiated - As we spend some time on validating a claim which takes into account our site inspections and all the facts in relation to the policy it is very unlikely that a claim we present to insurers will be repudiated.

• Time saved - The flat owner does not have to persuade different builders to provide quotes, deal with the insurer, loss adjusters if they are appointed, surveyors, claims technicians and various trades people on the job. There is only one point of contact with our office and a person dedicated to the claim is assigned to deal with it throughout from notification to the point when all building works have been signed off.

• Experience and Professionalism - We will ensure that all damage for which insurers have liability under the policy terms is properly identified and reported to insurers without any corners being cut. Because our professionalism and knowledge is respected by insurers and loss adjusters alike we are effective in arguing what should and should not be included by insurers in any claim.

How Does A Managing Agent Benefit From The Service?

• Detailed Update At Each Stage - We have meticulous record-keeping and all conversations with the homeowner, insurers and loss adjusters are transcripted so are able to tell you the managing agent exactly what is going on with the claim at any stage pre-settlement and while reinstatement is in progress.

• Shorter Claim Life Cycle - Clearly as a managing agent your time has to be spent on many things. The longer a claim drags homeowners become increasingly frustrated causing more strain on your administrative resource in dealing with it. Our time is spent solely only on insurance claims and repairs. We are proactive with insurers and adjusters and have a rigorous follow up procedure to settlement. Typically our average time from notification to settlement of a claim is 4 weeks. We start drying / restoration cleaning and or reinstatement within 48 hours of settlement and will typically take 2-4 weeks to complete works depending on the scope.

• Renewals - The hours we put into a claim and the type of service we are able to provide ensure a satisfactory claims experience for the homeowner thereby strengthening the relationship with your client - whether it is the freeholder or a residents association - and not giving them a reason to look elsewhere for block management.

What Does It Cost The Managing Agent ?
Nothing. In fact you are providing a high value premium service to your leaseholders.

And What Does It Cost The Leaseholder ?
We do not charge homeowners for this service [nor the insurer ] but instead ask our contractors to give up a part of the margin on the works in return for a regular flow of work. This provides a convenient, cost free solution to your client without having to pay deposits and advances to contractors.

Do You Have Examples of Work You Have Done ?
We have described some case studies covering different types of claims in some detail. Please click here for more.

Which Areas - Risk Addresses Can You Cover ?
We are a London based company and cover all areas within the M25, Surrey and Kent. As we carry out building works as a principal after agreeing the claim we have to ensure competent project management and control of our contractors for clients which necessarily requires us to restrict works to a set geographical area.

Which Insurers and Loss Adjusters Have You Dealt With ?
We have dealt with all the main insurers offering property cover such as the UK Insurance, RSA, Zurich, Aviva, Allianz, Axa, Aspen, Ocaso, Ageas, Covea, various Lloyds underwriters and underwriting agencies such as Commercial Express, Princess Insurance Agencies and brokers with delegated authority such as AJG Bluefin and Deacon to settle property damage claims. In terms of loss adjusters we regularly meet and settle claims with Sedgwick International UK, Crawfords, Davies, Woodgate Clark, Mclarens and several others.

As a result of our dealings with loss adjusters and insurers we have developed good working relationships based on trust, respect and professionalism. It is these relationships which allow us to deliver the high level of service homeowners have a right to expect.


Please contact us on 0208 003 5884 and we will call you back to arrange an appointment at your offices. We have no tie-in period or contract with managing agents and you may use us whenever you wish. We rely solely on your clients' positive experience with us for repeat business from you.

The service provided by Allpropertyclaims Limited consists of dealing with a client's property insurance claim and carrying out building repairs for the client. It is the former activity which is regulated by the Financial Conduct Authority [FCA]. Allpropertyclaims Limited is authorised and regulated by the FCA, Reg. No. 630201

For more details of what we do and our Summary Terms of Business CLICK HERE

Allpropertyclaims Limited | Registered address : Unit 1, 1417/1419 London Road, London SW16 4AH

Registered in England & Wales No. 07542418 | VAT Registration No. 112853435

© Copyright Allpropertyclaims Limited, October 2011