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Phoenix from the ashes

A client contacted our claims consultant Andy Holmes to help when they had a major fire destroying 90% of their buildings and machinery leaving them out of action.

A client contacted our claims consultant Andrew Holmes to help when they had a major fire destroying 90% of their buildings and machinery leaving them out of action.


The fire resulted in a massive loss and brought a complete to stop to the businesses ability to trade.


Andy attended the site on day one to work with the business management team to:

  • Arrange demolition of the building
  • Establish temporary premises and equipment
  • Source replacement stock

It was important to send clear and positive signals to customers so the appropriate advertising was arranged supporting the key message of ‘business as usual’.


Following negotiations we were able to successfully agree a settlement for the claim and recovery of the business.

Material Damage

Andy established and agreed the true cost of reinstating the building, including the costs of upgrading to current building regulations. We then provided the client with key guidance on the options available under the policy, allowing them to take the opportunity to reinstate the premises using a bespoke retail outlet design which accommodated and supported their future expansion plans. The business equipment was also reinstated in a different and more modern form. These actions turned the negative event into one with a positive outcome for the insured. 

Business interruption

Advice, together with a regular program of substantial interim payments, proactively supported the recovery of the business. An old warehouse building owned by the insured was fully refurbished as a temporary retail outlet whilst reinstatement was taking place and ‘opening events’ were arranged when the ‘new’ store was occupied. A  successful outcome.

What the client said: “Every aspect of the claim was handled expertly, thoroughly and professionally by Andy Holmes. We can now look forward to the future in our superb new building”. Harry Jackson – Managing Director Jacksons of Arley Ltd

What the broker said: “Andy Holmes was easy to work with, organised, easy to communicate with and responsive to the Client’s needs. I would recommend him to other clients” Cecil Anderson - Cecil G Anderson Insurance Brokers part of Bluefin Group