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  • 23rd September 2025 at 4:01 pm #167629
    Margaret Rooke
    Participant
    (32)

    Hi all,

    We have used the same insurance brokers for many years and recently have had to submit a claim for tree damage to the underground drain system, our experience with the broker/ loss adjusters and insurance company hasn’t been a pleasant one., therefore could you share the names of brokers/ insurers you use that we could maybe approach nearly our renewal period.

    Most appreciated and thank you in advance.

    23rd September 2025 at 4:13 pm #167632
    Clare Heyes
    Participant
    (325)

    Dear Margaret,

    Firstly, can I say I am surprised your insurers entertained such a claim as I have not found this damage to be covered – maybe I should try again! My 24 charities all use Grout Insurance Brokers. I would be interested to hear who you do use at the moment.

    Kind regards,
    Clare

    23rd September 2025 at 4:36 pm #167635
    Margaret Rooke
    Participant
    (32)

    Dear Clare,

    Damage sustained to under ground drain systems that is found to be caused by tree roots is covered on most insurance policies, damage caused by subsidence is not.

    Best,

    Margaret

    23rd September 2025 at 5:35 pm #167639
    Clare Heyes
    Participant
    (325)

    You learn something new every day! I have just checked our policy and it is not mentioned but also not excluded so I will submit a claim next time we have an issue.

    Thanks.
    Clare

    24th September 2025 at 4:52 pm #167726
    JacquiLewis
    Participant
    ()

    Hi
    We use Brown and Brown (formerly Higos) and the policy is with Ecclesiastical. At the start of this year we had a water leak which resulted in a large claim for damage as well as rehousing the resident for nearly four months. The service we received was exemplary. They appointed a Loss Adjuster who not only knew his job but also had a great deal of compassion for the resident. As with all big claims we had bumps in the road but again these were all dealt with satisfactorily . I have no hesitation at all in recommending Brown & Brown and Ecclesiastical.
    Jacqui

    6th October 2025 at 3:18 pm #168511
    Margaret Rooke
    Participant
    (32)

    Thank you Jacqui, that is most helpful and so pleased you received such a high level of service. I will be sure to contact Brown and Brown in due course.

    Best,

    Margaret

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