Polygon Group

Loss or damage to property can happen in numerous ways and involve all sorts of different property. The CILA Property SIG Committee brings together a group of experienced property adjusters who have handled many such claims in their career. The group is committed to technical expertise in claims handling and regularly produces material which promotes thought and reflection on how to approach and overcome common challenges in claims. The committee also strives to keep members informed of industry developments, with several committee members contributing to industry discussions and initatives relevant to property claims handling.

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SIG Committee


Mike Weatherhead - Sedgwick

Deputy Chairmen

  • Mike McLean - Sedgwick
  • Paul Redington - Zurich


  • John Carey - Crawford & Company
  • David Damsell - Crawford & Company
  • Simon Hurst – Willis Towers Watson
  • Toby Knight - McLarens
  • James Parsons - Lloyds Banking Group
  • Joyce Redfearn – Stream Claims Services

Latest Updates

This factsheet from Property SIG sponsors IFIC considers the nature and causes of explosions and provides insights into the investigation of explosion claims.

Download Major Loss: Explosions - the unique features of explosion investigations

This paper provides an introduction to blanket and first loss policies, explaining why and when they are most commonly adopted.

The writer discusses some of the queries that might arise on blanket policies in relation to the adequacy of sum insured, value at risk calculation and application of average. With regard to first loss policies, the writer outlines some of the reasons and benefits of this type of insurance cover referencing underwriting considerations, insurance premiums and the nature of the risk.

Download Blanket & First Loss Policies

This paper provides a year one update on the progress of the Property Flood Resilience (PFR) action plan which is a five year project involving both UK government and business.

The intention of this plan is to make it easier for people to make their homes flood resilient and activity includes testing of resilience measures, engagement with lenders and insurers, creation of a central website, development of a Code of Practice (with associated training), communications, plus the capture and sharing of flood resilience data. Representatives from the insurance industry, including loss adjusters, are participating in this project.

2017 PFR End of Year Report - Defra

Occasionally loss adjusters will be asked to consider fungal infestation in properties. This paper provides a useful overview of fungal decay, covering both dry rot and wet rot.

The writers outline the common indications of dry rot (typically the Serpula Lacrymans fungus), along with the environmental conditions required for it to develop, sustain and spread. Common signs of wet rot (typically the Coniophora Puteana fungus) are also provided. The writers discuss some of the possible causes of rot and how remedial measures might be approached. The insurance policy position is considered, along with useful questions to ask.

Fungal Decay and Insurance Claims - John Carey & David Damsell

On some occasions physical evidence of claimed items may be non-existent or destroyed. In this paper Mike Weatherhead suggests ways by which loss adjusters might approach validation of quantum.

The paper covers buildings, domestic contents and commercial claims. The writer discusses different methods of enquiry and the types of supporting documentation that can sometimes be obtained. Options for validating stock are explored and the impact of a Contract Price Clause is highlighted. Reference is made to onus of proof and Treating Customers Fairly (TCF). This paper will support study for the AD1 – Application of the Principles of Insurance exam.

This presentation was delivered as part of the CILA Conference 2017 programme. The session was led by Warren Haydock who provided an overview of the role of Pool Re in providing terrorism reinsurance to the UK property market and the impact on loss adjusters attending such terrorism claims. Warren was followed by Ed Butler who provided a summary of the year’s tragic terror incidents, an analysis of this unprecedented and global phenomena and a forecast of possible terror scenarios for the future.

Warren Haydock, Technical Manager Claims, Pool Re
Ed Butler CBE DSO, Head of Risk Analysis, Pool Re

UK Terrorism – Pool Re’s role in a year of evolving terror for the UK; what and where next?

This paper provides an overview of VAT and the impact it may have on property claims. Different VAT statuses are discussed, including partial exemption, zero rated and “opt to tax”.

The paper highlights why VAT may have an impact on property claims from both a building repair and sums insured perspective. The author also explains how commercial property owners can “opt to tax” or not and the potential effects of this. The criteria for zero rated building works is highlighted and readers are also provided with useful reference sources, including HMRC guidance and how to check a VAT number.

Download Paper


Searching for SIG material?

Have a look in the CILA Technical library. Papers and presentations that were previously produced by our SIGs are often filed there for the benefit of members.

Visit the Technical Library

Property SIG in association with:


  • Fully Furnished

  • IFIC Forensics

  • Smithers Purslow