Risk perspectives - Fire claims are not always clear cut

Your client of many years' standing suffers a major fire at their office premises. Fortunately no-one was hurt, the client's contingency plan worked to perfection and the business was up and running within 24 hours.

Everything looked rosy until your client's insurer rejected the claim for fire damage because the office smoke alarms had not been checked monthly in accordance with the warranty.

Your client is understandably unimpressed by this outcome and is threatening to sue your firm for failing

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