Water damage caused by a leak in the fixed plumbing of your property can result in serious damage. Quite often, the full extent of damage cannot be seen. We at CMS, with decades of experience and the correct technical equipment, will be able to determine the extent of damage and ensure you receive the correct and full settlement to allow your property to be put back to a pre-loss position. Find out more.

A fire in your home or place of work can be a traumatic and stressful experience. Never underestimate fire. The resulting damage can be devastating to both property and contents. Even a small fire can cause smoke damage to the entire property. Our experience will allow us to lead you through the claim, ensuring full damage assessment and reinstatement. Find out more.

Flooding can cause major damage to your home and contents and cause major upheaval. On most occasions, flood water can be contaminated. It is essential that you have your flood damage professionally assessed to ensure all aspects of the damage are identified. We at CMS have the experience to guide you through the process. Find out more.

High winds, often along with torrential rainfall, can cause damage to your property and result in water ingress. Storm damage claims can be one of the more testing claims, as insurance companies have differing definitions of what constitutes storm conditions. We are here to advise and put forward storm damage claims on the best terms for you. Find out more.

These are usually caused by oil leaking from a tank or the pipework from the tank to the burner. These claims can cause serious damage to your property if the oil migrates internally. Often, the only sign you will have is a heavy smell of oil within the property. Oil claims have to be professionally assessed by an oil remediation company. CMS has partnered with leading oil remediation companies to allow full assessment, and with this knowledge, we can then lead the claim to successful completion. Find out more.

Quite often, when an insured event occurs in a business, this will affect the normal running of the day-to-day business and may result in a loss of business revenue, costing businesses thousands of pounds. We have the experience to examine the financial position of any loss and ensure the claim is successfully managed with the insurance company to obtain the best possible settlement. Find out more.

Not all policies include accidental damage cover, and usually needs to be specified as a requirement when taking out your insurance policy. It is a useful addition to your policy, as it covers most accidental occurrences, and the resulting financial loss, which would not normally be covered under the other perils of insurance. Find out more.

Impact claims are most commonly caused by a vehicle crashing into your property. Quite often, this can result in structural damage to your home or business. When the damage is caused by a third-party, the loss can often be covered by the third party’s insurers. We have the experience to advise on third-party issues and also ensure a full assessment of any damage to your property and contents, ensuring maximum settlement. Find out more.

Subsidence claims are reasonably rare, but by their nature, when they occur, they are usually very serious and cause substantial disruption to your property. It is important that the cause of the subsidence is properly identified to enable the most appropriate remedial work to be carried out. We at CMS, along with our partnered Chartered Engineers, can ensure full and proper assessment and reinstatement works are negotiated and agreed upon with your insurers. Find out more.

Malicious damage and theft claims can be particularly harrowing, as often you will feel like your personal and usually safe environment has been invaded. Depending on the circumstances, there can be different levels of damage to property and stolen contents. We will be able to guide you through the claim process and advise on how best to present your claim to your insurers. Find out more.

As the title suggests, third-party damage occurs when a person not associated with the insured causes some damage to your ground and/or property. Typical examples would be when a vehicle crashes into your property or when animals break out of an enclosure and cause damage to gardens. We will be able to fully assess the damage, and in some cases where the third party has insurance, we may be able to charge our fee to the third party insurers, meaning you do not have to pay for our services. Find out more.

This list of perils of insurance is not inclusive of every incident covered under your insurance policy, but it covers the most common of the perils. If you have any other incident or issue, we at CMS will advise if there is cover under your policy to justify a claim. Get in touch.