Property Instructions

The following are typical examples of the work undertaken on behalf of property insurers:

  • Advice on policy coverage regarding commercial and residential landlords' insurance where insured properties had been converted into marijuana factories;

  • Avoidance of a commercial policy for insured’s non-disclosure of the true value of the buildings and declinature of fire claim (arson);

  • Avoidance of a commercial policy for insured’s (take-away restaurant) non-disclosure of fact that a previously owned restaurant had been subject to arson attack;

  • Avoidance of a property risks policy for non-disclosure of the nature of construction of a luxury home/hotel in the Bahamas which suffered hurricane damage;

  • Avoidance of a commercial policy for non-disclosure of previous fires and declinature of claim for breach of composite panels warranty following a fire at insured’s food processing facility;

  • Declinature of claim on grounds of lack of the occurrence of an insured peril at an insured’s cold storage facility said to have been damaged by an “explosion”;

  • Declinature of a claim for breach of unoccupied premises warranty following the destruction of a commercial property by vandals and graffiti artists;

  • Declinature of a fire claim at a restaurant for breach of waste warranty;

  • Declinature of a fire claim at a saw mill for breach of smoking materials and cleaning warranties;

  • Declinature of an insured hotel’s business interruption claim arising in connection with an outbreak of foot and mouth disease;

  • Declinature of a flood damage claim for breach of a stillage warranty;

  • Subrogated recoveries of money paid out under jewellers’ block policies;

  • Subrogated recoveries following tree root, subsidence and heave related damage;

  • Subrogated recovery following destruction of a property caused by a motorist who was not medically fit to drive;

  • Subrogated recovery from a negligent bailee following theft of antiques; and

  • Subrogated recovery following escape of water from a neighbouring property caused by faulty workmanship.