Fire safety exclusions -the insurance position

摘要

The hardening of insurers' attitudes have now resulted in substantial increases in terms of the premiums being levied, as well as a rise in the number of draconian exclusions that can have a significant impact on the cover that you may be able to obtain. Whilst the various exclusions applied by insurers can be varied, for the purposes of this article we will concentrate on two areas, cladding and fire safety exclusions and the EWS1 form. In view of the concerns raised by insurers in respect of claims against construction professionals relating to external cladding materials, and the fire safety aspects of buildings, the majority of policies now contain some form of cladding and fire safety exclusion regardless of the height of the building or the individual circumstances.