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SITUATION
We received a flurry of claims following a period of heavy snowfall in various regions of the UK. In some areas the snowfall was unprecedented and resulted in extensive damage to a number of farm buildings, due to excessive snow loading. One such claim was received following the almost total collapse of a traditional timber framed structure.
SCENARIO
While the claim appeared genuine, we had concerns as the snowfall in the area had not been excessive. Our adjuster sought a further opinion from our in-house surveyor. After undertaking a detailed survey of the building, including an assessment of the partially collapsed sections of the structure, significant pre-incident defects were revealed which had led to the collapse.
OUTCOME
As a result the claim was successfully rejected. Delivering the news to the policyholder with professionalism and empathy, supported by the appropriate technical evidence, we secured acceptance of our decision.
