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.

To receive SIG updates please login to sign up


SIG Committee


Mike Weatherhead - Sedgwick International UK

Deputy Chairmen

  • Mike McLean - Sedgwick International UK
  • 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 paper considers whether and when building regulations apply when reinstating a damaged property as part of an insurance claim. See also the associated CILA paper "The Public Authorities Clause".

The writer highlights key aspects of the Building Regulations 2010 which loss adjusters may want to familiarise themselves with, including the definition of what is meant by the term "building work", thermal elements and controlled services. The wording of insurance policies is considered along with the practicalities of resolving such issues and working with Building Control Officers.

This paper outlines the Party Wall Act, highlighting aspects and scenarios that may be of particular relevance to loss adjusters in the handling of insurance claims.

TThe paper includes definitions of the terms within the Act (e.g. party wall, party structure and party fence wall) and explains when a notice should be served. The paper also covers the requirements for serving notice, types of response from adjoining owners, disputes and the development of a Party Wall Award. The writer discusses cases when damage does occur and provides examples of the Party Wall Act in practice.

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

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.


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:


  • IFIC Forensics

  • Smithers Purslow