Summer 2010 - CILA/The Chartered Institute of Loss Adjusters

CLAIMS FOCUSTHE CHARTERED INSTITUTE OF LOSS ADJUSTERS – ‘THE CLAIMS INSTITUTE’ SUMMER 2010A new Liability Booksupported by ourLiability SIG Sponsor –4 Pump CourtCILA Technical Conference 201014th & 15th September 2010Academy Conference Suite, Holiday Inn CoventryPlaces are filling for the forthcoming CILA Technical Conference at theHoliday Inn, Coventry on 14th & 15th September. The programme forthe event is now available to download at:http://www.cila.co.uk/files/Conference-Programme-2010.pdfA considerable amount of work has been undertaken by the SIG Committeesto produce for you a fascinating programme of topical features deliveredby leading personalities from our profession as well as invited speakersfrom others.Just look at the topics: Major Losses and the law – Allocation of costs andStock/BI overlap – the latest on Subrogation including the intricacies ofDiminution in Market Value – an update on the BI Wordings project... and forthe Liability Adjuster a whole host of topics – Public Liability, CAR, Reservingand Environmental claims. Anti-fraud issues also rank highly together withthose relating to high net worth, claims consultancy and subsidence. If youthought last year was good this is even better and what incredible value notonly for you the member but also for your guests.Not quite so serious are the networking opportunities that are affordedthroughout the conference including the very popular Sponsor’s Dinner onthe Tuesday evening – all included in the price. Some major prizes from ourSponsors are also to be won.The conference is also an excellent way of gaining valuable CPD pointsand demonstrating to clients and to potential clients that you are at theleading edge of the profession. For those on their way to qualification thisis a fantastic opportunity to meet up with others, share views and to take aquantum leap.CILA Council Member Simon Burley, ACII FCILA,is currently working on an update of AlanCleary’s book on Public Liability, which willnow incorporate personal injury claims andthe applications of the Civil Procedure Rules.His work is being supported by the majorsponsor of the Liability SIG, 4 Pump Court, aleading insurance chambers with 51 barristersat all levels of seniority.As members will recall 4 Pump Court offers anautomatic entitlement for members to seekassistance from barristers direct without firstinstructing a solicitor.In the right circumstances, this fast trackaccess can have considerable advantages interms of speed, informality and cost.Find out more about the services that4 Pump Court offers by going to the link onthe Liability SIG section of the CILA website:http://www.cila.co.uk/technical/specialist-interest-groups/liability/assistance-barristersGraham Cave FCIS MCIMDevelopment Director, CILAIMPORTANT DATE FORYOUR DIARY IN 201015TH OCTOBERCILA ANNUAL LUNCHIntercontinental Hotel London W1Bookings now being takenCONTENTS2-3TERRORISMRELATEDCLAIMS4-5CILATECHNICALCONFERENCEPROGRAMME7COMPUTINGEQUIPMENTCLAIMS11FUEDI12PROFILEANGELAELLIS-DUNN14CILAJOB SEEKERSERVICE15BENEFITSFORMEMBERS1

TERRORISMCILA members are central to the wayPool Re works whenever it receives aterrorism-related claim. Its chiefexecutive Steve Atkins looks at someof the issues they may confront.The role played by loss adjusters is vital to theeffective management of significant events. Inthe Pool Re scheme, there are provisions whichstate that members must employ loss adjusterswhenever they are settling a claim of £5,000 ormore. This stipulation reflects the value thatPool Re places on adjusters’ independence andprofessionalism. So, whenever you hear about aterrorist attack involving significant amounts ofdamage on the British mainland, you can be surethat loss adjusters will be helping to deal withthe aftermath.Sadly, this is far from just a theoretical scenario.The country is currently on a ‘severe’ stateof alert, which indicates that the governmentconsider a terrorist attack highly likely. This isjust one category down from the highest stateof alert – critical – meaning that an attack isexpected imminently. It may be five years sincethe London transport bombings, but the danger isstill very present.All CILA members will appreciate the need toprepare contingency plans for big incidents. Manyare still unfamiliar, however, with the specialconsiderations that may come into play wheneverterrorism is involved. Some of these relate tothe nature of terrorism, some to the workings ofPool Re and others to the role of the scheme’smembers and the authorities.Starting with the first of these, it is importantto bear in mind the possibility that an incidentcould involve chemical, biological, radiological ornuclear (“CBRN”) agents. It goes without sayingthat damage from such means does not routinelyarise and needs special consideration. Lossadjusters who have not already done so shouldstudy the implications and include the possibilityof such events in their planning.Even where the terrorist attack is conventional,the action required may be different fromthose dictated by, say, an accidental gas or oilterminal explosion. It is important to understandthe implications of the Civil Contingencies Act,the role of local authorities in responding toterrorism, the various protocols that are in place(for example, the one with the Association ofChief Police Officers) and the role of the CILA andthe ABI in communicating between the authoritiesand the insurance industry. The location will, ofcourse, be a crime scene.Turning to Pool Re itself, some adjusters stillregard it is a government scheme. In fact, it isan independent mutual set up and owned by theindustry. The government provides a key rolein ensuring there is ‘last resort’ funding (andreceives premiums for doing so), but Pool Re itselfis a private sector reinsurer.It is important to appreciate that, although theunderlying principles are consistent, the schemeworks differently from insurer to insurer and that2

TERRORISMthe policies issued to the ultimate clients are notall the same. One difference between membersis that insurer retentions vary depending on theamount of Terrorism Cover they write. In somecases the retention will be as low as £100,000,rising into double figure millions for the largestinsurers. It is also significant that while theTerrorism Cover provided is uniform acrossinsurers, it will follow the terms and conditionsof the property policy to which it attaches.When dealing with the ultimate insured, it istherefore vital for adjusters to study the underlyingProperty policy; its terms and conditions willdetermine those of the Terrorism Cover, includingits limits and excesses. To be absolutely clear, ifthe limit on the main Property cover is £10 million,then that is exactly what the Terrorism Cover limitwill be. The same applies to any excess.Another early consideration is the extent of coverbetween MD and BI. Under the scheme insuredscan choose to pay extra for Business Interruptionbut do not have to do so i.e. it is possible to coverMD for terrorism without covering BI.Finally, it is worth bearing in mind that insurersthemselves have differing levels of engagementwith the scheme and even different levels ofreadiness as some transact more Pool Re businessthan others. Pool Re has a regular programmeof visits to the claims departments of membercompanies. The level of professionalism andknowledge of the scheme is generally high.Any insurance company, be it a mainstreamprovider or Captive, that finds itself coveringa major terrorist incident will find its systemstested. The support provided by their adjusterswill be vital to them - and to Pool Re. As in anycrisis, good preparation is everything and thetime to act is before it happens.Steve Atkins is chief executive of Pool Re,www.poolre.co.ukWe have successfullyrestored vehicles damagedby all these productsSince 1995 DAB Restoration Limited has restoredthousands of vehicles covered in industrial fallout frommanufacturing plants and overspray from constructionsites. Our technicians have consistentlyachieved outstanding results onclaims all over the UK and insome cases have cleaned upbuildings as well as vehicleson site.Paint,1 & 2 packpaints,SolventlesscoatingsIndustrialfallout- Iron dust- ChromicacidResins,Sealants,TarVandalism& GrafittiCement &ConcreteRESTORING WITHOUT RESPRAYING®DAB Restoration Limited,Unit 1, Crownfield Estate, Wycombe Road,Saunderton, Buckinghamshire, HP27 9NRTelephone 01844 345100, Fax 01844 345101Email dab@dabrestor.co.uk, Web www.dabrestor.co.ukAd_feb10.indd 1 07/02/2010 12:10:573

TECHNICAL CONFERENCETuesday, September 14, 201008:30 – 09:30 REGISTRATION & EXHIBITION09:30 – 10:00 Welcome by the CILA President, Graham BurgessBUSINESS INTERRUPTION PROPERTY LIABILITY10:00 – 11:00 The Changing Role of the Loss Adjuster –George Moss / Tim ThompsonMuch is expected of the modern loss adjuster. Over the past 30 yearsour role has of course changed dramatically. George and Tim haveexperienced that change first-hand and have agreed to share someof their thoughts, whilst welcoming contributions from others.They will both review the recent past and offer a glimpse of the futureof loss adjusting.Public Liability – Slips & TripsPaul Lemon (Hawkins)& 4 Pump CourtForensic engineering aspects,slip resistance/surfaces issuesand, in turn, Case Law/StatutoryInstruments relative to highwayclaims.11:00 – 11:30 BREAKBUSINESS INTERRUPTION PROPERTY LIABILITY SMALLER IND PRACTICES11:30 – 13:00 Allocation of Costs – Landlord and Tenant – Maggie CowingYou’ve managed the loss, gaining the co-operation of Landlord, tenant,their insurers and representatives to minimise the material damage andbusiness interruption losses, but eventually you face the carve-up ofcosts between the various parties. This session will examine the variousfactors which influence the allocation of costs and suggest somepractical guidelines for handling such claims.13:00 – 14:00 LUNCHStock/BI Overlap – Gerald WilliamsThis hoary old chestnut remains with us as always. How do we calculateit? What do we do with it? What do we do if the policyholder refuses toaccept a set off? What about underinsurance hitting one part of thesettlement but not the other?Coverage Overlaps Generally – Andy KingThis session will bring together points made in the previous two sessionsand look at other areas where overlaps occur and where coverage maybe duplicated.The Public Liability Policy –Adrian FosterPublic Liability Policy highlightingExclusions and Policy Conditions.The Contractor’s All RisksLiability Policy Liability Benefit– Martyn GabbitassLiability benefits available undera CAR Policy and how it interactswith the relevant Building Contract– JCT minor works, etc.Case Studies in Art Loss –Mark DalrympleBUSINESS INTERRUPTIONCONSTRUCTION, ENERGYAND ENGINEERING14:00 – 15:00 Business Interruption –The Property Developer’s Risk –Alan Purbrick, Markus HeissALOP/DSU – often a major part of aclaim hinges on the complex natureof the project programme and timerelatedlosses. We will address issuessuch as: Why bother monitoringproject repairs? How shouldmonitoring be carried out? Howdoes monitoring of projects assist inthe claims handling process?PROPERTY LIABILITY ANTI-FRAUDEnvironmental Liability – Mike MarstonPractical considerations in the investigation and handling ofenvironmental claims.Identifying Fraud RisksChris Aplin/ Bobby GraceyWhen ABI stated in July 2009that 13% of retail claims arefraudulent by volume and 10%by value,how is our industryresponding to the currentchallenge and what does a goodfraud strategy look like withinour profession?BUSINESS INTERRUPTION PROPERTY / LIABILITY CLAIMS CONSULTANCY ANTI-FRAUD15:00 – 16:00 Subrogation – Paul Handy / James Deacon (Beachcroft)We all need to think about it, but that is often all we do until after thefirst party claim is concluded with sometimes costly consequences.What and how much can you recover? We need to understand thatdifferent principles apply to determining whether a recovery action willsucceed against a third party and the likely extent of such recovery tothose which apply to adjusting the policyholder’s claim under the policy.What does the law say and how can this help us manage expectations?Is there any relevant case law that we should know about? Practicalissues – what should we do to protect our principals’ interests? All theseare questions that we ignore at our peril.The dangers of a ‘DIY’AdjusterJohn Baldock/John FreemanI am a qualified loss adjuster,why on earth would I want to usea specialist investigator.16:00 – 16:30 BREAK16:30 – 17:30 CILA Annual General Meeting17:30 – 18:30 SPONSORED BAR19:30 – LATE SPONSORS’ DINNER4

Wednesday, September 15, 201008:30 – 09:30 REGISTRATION & EXHIBITION09:30 – 09:45 Welcome by the CILA President, Andrew HomewoodBUSINESS INTERRUPTION PROPERTY LIABILITY HIGH NET WORTH09:45 – 11:00 Wide Area Damage –Harry Roberts/Gerald WilliamsFasten your seat belts for a ‘stormy’ ride. Destinations will includeS.E. Asia, USA and Cumbria. Overseas treatments of this issue, and inparticular the application of the Other Circumstances Clause followinga major event, threaten to undermine the clarity that we believe we havehere in Blighty.Reserving – Why it matters –Sarah ReynoldsThis session will cover reservingprinciples and detail theimportance of arriving at arealistic figure at all stages ofthe Liability claim process.A Legal View –4 Pump CourtAn Insurer’s Perspective –Rob TurnerRestoration of Listed BuildingsPresentations by Master Craftsmenwith guidance on reserving.11:00 – 11:30 BREAKBUSINESS INTERRUPTION PROPERTY LIABILITY SUBSIDENCE11:30 – 12:30 Current Major Loss Events: A Legal perspective –Barlow, Lyde & GilbertVictoria SherrattUnder valuation in declaration linked policies: is avoidance theway forward?The Law Commission’s Proposals re: SprungThe recent Loyaltrend DecisionState of the NationLegal Update –Simon BurleyThis session will highlightimportant Case Law throughout2010 impacting on Liabilityclaims investigation/handling.If appropriate, there may becomment on MOJ/Jackson Review,subject to future developmentsbetween now and the conference.Subsidence of listed buildingsBUSINESS INTERRUPTION PROPERTY LIABILITY CLAIMS CONSULTANCY12:30 – 13:30 BI Wording Update –Damian Glynn / Diane JenkinsFollowing the June 2009 launchseminar for the BI Wording review,an initial report has been producedidentifying common problem areasand suggesting possible solutions,without being prescriptive.Work is now underway to producethe more detailed second report,as a CILA led initiative, incollaboration with other industrybodies, including the IIL and BIBA.This session will providean overview as to the currentstatus of the project.Diminution in Market ValuePaul HandyJames Deacon (Beachcroft)Building on our discussions onSubrogation, what is Diminutionin Market Value; how is itcalculated; when and what doesit apply to?Q & A SessionSpeakers’ panelThe Financial OmbudsmanService – working togetherwith the insurance industry –Peter Bristow,Relationship Manager FOSThis session will cover some‘ombudsman basics’ for thosenot familiar with the service andhow it works, before moving on tolook at more particular issues ofinterest to adjusters acting onbehalf of insurers and thoseassisting policyholders withtheir claims.13:30 – 14:30 LUNCH14:30 – 15:30 “Who wants to be a Loss Adjuster”Andrew Moncrieff – HawkinsPRIZES TO BE WONPresident Closes the Conference5

SPONSORS PAGESpecial thanks to all our sponsors

COMPUTING EQUIPMENT CLAIMSAfter the Storm:Mitigating Losses involvingHigh-Technology Equipmentfollowing a FloodThe role that water plays in our existence iswell understood. Without it, most living thingswill rapidly wither and die. Equally catastrophicof course, are the consequences of too muchwater. Not only to living things, in terms ofwidespread flooding, but also in terms ofdamage to machinery and equipment fromexposure to water.With changing weather patterns, storms (andresulting floods) appear to be on theincrease. The 2010 Central Europeanfloods was a particularly devastatingseries of weather events whichoccurred across several Central Europeancountries. Several Asian countries haverecently experienced heavy rain and floodingwell above normal levels for this time of theyear, and NOAA 1 is predicting that theforthcoming Atlantic hurricane season will beabove normal activity.After a catastrophic storm, such as a typhoon,hurricane, cyclone or tropical storm, thepotential for damage to electrical andmechanical equipment and machinery issignificant. The risk increases with variousfactors, such as damage to the structurewhere the equipment is located, andexposure to the elements. Being near thecoast increases the potential of majorflooding from the initial tidal surge, inducedby high winds, wind-blown salt water andrain.Whilst we cannot control storms and rainfall,Adjusters do have some ability to control thevalue of flood claims, particularly with respectto equipment/machinery property losses, bythe way the claim is managed and the supportprovided to Policyholders after a loss has7occurred. The key is to provide rapid,professional advice to Policyholders on howto mitigate further damage from occurring tofloodwater contaminated equipment, and tohave various reinstatement options, such asrestoration, available.Water can damage electronic equipment bytwo methods. Let’s look at the simpler casefirst, where the affected equipment is notenergised when it comes into contact with thewater. The potential danger in this case iscorrosion, caused by contaminants in the water(e.g. ionic contaminants). Other factors thatwill contribute to the generation of corrosioninclude the pH value of the water, the materialsused in the equipment componentry, and thedegree of protection provided to metallicsurfaces by coatings or plating.In the case where water invades equipmentthat is energised, the risk of more severedamage is greater. In addition to the risk ofcorrosion, some degree of electrical ‘shortcircuit’ damage can be expected, dependingon the type of equipment and the operatingvoltage and wattages employed. The spectrum1 National Oceanic & Atmospheric Administration: http://www.cpc.noaa.gov/products/outlooks/hurricane.shtml

COMPUTING EQUIPMENT CLAIMSContinuedof damage though, can range from serious, torelatively minor, and depends upon manyfactors. In general, however, the amount ofshort circuit damage is often less than one(even the manufacturer’s own engineers) mayhave initially imagined.It is important to note that the viability ofeven extensive repair is usually an economicquestion rather than a technical one. There isno difficulty in undertaking repair of damagecaused by short circuiting of components; alldamaged components can be totally replacedand the equipment restored to at least itsprevious condition. However, if you are themanager who has to make the decision on themost appropriate reinstatement action, youwill want to weigh up the economic and riskfactors involved.+ 44 11 8949 7164www.lwgconsulting.comEquipment Damage ExpertsCausal AnalysisDamage AssessmentReplacement Cost EvaluationProject ManagementRestoration Feasibility StudiesOrigin & Cause InvestigationExpert Witness SupportTechnical DocumentationLWG Consulting is proud to announce the opening of ourUK Office. Since 1984, LWG has been the industry leader inHigh-Technology Equipment Loss Consulting.LWG Consulting UK Ltd. 200 Brook Drive Green Park, Reading RG2 6UBPlease contact Julian Preedy at jpreedy@lwgconsulting.com for more informationAfter Floodwater Contamination –What you can do:As an insurance professional assistinga policyholder following a watercontamination/damage incident, youcan help by advising the Policyholderwhat he can do to help rescue hisequipment and machinery and mitigatefurther damage from occurring.• Ensure that all power supplies to equipmenthave been disconnected, preferably at thecircuit breaker. This includes disconnectingUninterruptable Power Supply (UPS) systems,if installed. Equipment should never beelectrically energized before it is thoroughlyinspected because it can be subjected tofurther damage due to short circuiting ifwater is still present within.• Remove all standing water within the affectedfacility as soon as possible.• Affected equipment should be ‘stabilised’ byrelocating it to a humidity and temperaturecontrolledenvironment. If the equipmentcan’t be moved, use air-conditioning and/ordehumidifiers to lower the relative humidity.This will slow down the onset and progressionof corrosion. Ideally, humidity should belimited to 45%-55% and the temperatureshould be as cool as is practical.• Additional steps should be taken in order tofacilitate drying. Open equipment cabinetdoors, drawers and covers to allow airmovement through the equipment. Next,remove water by draining or using a ‘wettype’ vacuum cleaner to suck out excesswater. Compressed air can also be used, ifavailable, to further facilitate drying.Following the removal of internal water, wipedown and dry accessible surfaces in order toremove the remaining water as much aspossible. Finally, use fans to circulate airthroughout equipment.8

COMPUTING EQUIPMENTCLAIMS – Continued• Consider contacting a qualified equipmentloss consultant or equipment restorationspecialist prior to contacting the servicevendor or manufacturer. Vendor/manufacturerservice personnel may be tempted topower on the equipment, thus potentiallycausing further damage. The equipment lossconsultant can also assist with sourcingand installation of “loan” or rental equipmentin order to further reduce costs whilst theoriginal equipment is being restored/repaired.The restoration specialist can carry outmore comprehensive equipment preservationactivities, for example applying a preservativecompound to unprotected metallic surfaceson mechanical equipment.Once the risk of further damage has beenmitigated, reinstatement options can beassessed and the appropriate course of actiontaken. Unless the equipment in question hasbeen so severely damaged, professionalrestoration will usually be quite viableand will normally prove to be a prudent optionin order to minimize the reinstatement costand, in particular, to reduce the businessinterruption period (restoration typicallycosts a fraction of the new replacement price,and can be carried out far more rapidly, inmost cases, than procuring new equipment).Decisions made during the initial hoursfollowing a flood loss can be crucial to settingthe scene for a rapid recovery of businessoperations, particularly in regard to thereinstatement of high-technology equipment.When carried out in a timely and effectivemanner, the above actions will help to reducewater damage to equipment and, therefore,also reduce the overall quantum of the ensuinginsurance claim.By: Bruce Swales,Managing Director of LWG Consulting Pte Ltd,100 Tras Street #16-01,The Amara Corporate Tower,Singapore 079027.WELCOME TO OURNEW SIG SPONSORSEvander is the UK’s largest Emergencyresponse locksmith, glass repair andreplacement business.Evander work for many of the well known high streetbrands. Our customers are looking for a market leadingglazing service, they don’t just want national coverageand 24/7 they want service excellence. The insuranceindustry has some of the most exacting procurementrequirements and Evander works with eight of thelargest insurers in the UK. Giving our clients peace ofmind on our ability to deliver.• UK’s largest glass repair and replacement business• National coverage (including NI)• 24/7 response, every day of the year• Directly employed CRB-checked engineers• UK-based, directly employed, 24/7 call centre• Industry-leading guarantees• Shopfronts and commercial projects division• Filming and Reg 14 surveys and upgrades• Regeneration and refurbishment programmes• Warranty and guarantee specialists.CRB Services & Associates Ltd is a specialistcontractor for Listed Buildings and High Networth properties in the UK.We deal with the owners of such properties whommaybe have encountered the misfortune of flood,fire or storm damage, internal wall/flooring issues orpurely seeking specialist expertise needed to restorevarious aspects of their property.Our service is national, highly organised and orientatedtowards complete customer satisfaction. We have ahighly qualified and skilled team at CRB and all worksare coordinated with public bodies such as ListedBuildings officers/English Heritage.We are an English Heritage, Crown Estates, Palaces andPrivy Purse approved contractor and have been usedwidespread on ornate reconstruction and reinstatementwork. CRB maintain experienced project managementteams that have successfully worked with Architects,Building Consultants and Building Managers on variousranges of development and refurbishment projects.9

ecoverabilityemergency furnishing solutions with a little extra...Disaster can strike anytime, anywhere.When it does lives and homes can be shattered in an instant, oftenforcing urgent relocation to alternative accommodation. At Fully Furnishedour Emergency Furnishing division’s aim is a simple one, to make thismove as painless and hassle free as possible.We offer:• A cost effective service• Fast response - 48 hours anywhere in mainland UK• Guaranteed delivery date and time• All furnishings Fire regulation compliant and all electricals PAT tested• Distribution Hubs in Staines and Birmingham• Sympathetic and courteous personnel• Security cleared and trained staff• Satellite navigation equipped liveried vehicle fleetFor further information contact01784 44 99 88 or Email: sales@fully-furnished.comFully Furnished Group Unit 4 100 Church St StainesMiddlesex TW18 4YAwww.fully-furnished.comFurniture Rental • Furniture Sales • Showhomes • Private Clients • Emergency Furnishing

Welcomes new Scandinavian memberAfter a number of years observing the activitiesof FUEDI in promoting the role of loss adjusters inEurope and the greater acceptance of the FUEDIELAE qualification, FUEDI-ELAE, the SwedishAssociation of Independent Loss Adjusters (SFOS)had applied to join FUEDI.At the FUEDI General Assembly held in Copenhagenin May it was unanimously agreed to acceptSFOS’ application to join FUEDI as the fourteenthmember.Pia Lundberg, the SFOS President, said “We arevery pleased to be member and are looking forwardto participating in the work of developing theloss adjuster’s role and market in Europe togetherwith our fellow members in FUEDI.”At the same meeting Christian Leif Hansen, theFUEDI President stood down after a successfulyear in office. He was succeeded by M. YvesLegoux of the French loss adjusting associationCEA, Compagnie des Experts Agréés. This will behis third term of office as President of FUEDI.At the same meeting Tony Clack, FUEDI’s EducationDirector, retired after 22 years’ involvement withFUEDI. Martin Schorkhuber of AFILA, the Austrianassociation, was elected in his place.FUEDI Officers for the year 2010-11From left to right: Christian Leif Hansen (DALAX) 1st Vice PresidentYves Legoux (CEA) President andRui de Almeida (CNPR) 2nd Vice PresidentCâmara Nacional de Peritos Reguladores - PortugalOn the 23rd April Câmara Nacional de PeritosReguladores (CNPR) held a Seminar relating toLiability claims which was attended by insurancemanagers, brokers and loss adjusters.It was held in Porto at the Casa do Infante -the national museum – where the XIV centurynavigator, Henry, was born.FUEDÍ was promoted during the Seminar with aspecial introduction made by Rui De Almeidaabout the European FUEDÍ role.11

PROFILEAs Founder and ManagingPartner of AED Adjusting,Angela Ellis-Dunn (FCII FCILAFUEDI-ELAE) explains to ClaimsFocus how she has ensured herbusiness has not only survived,but positively thrived since itsformation in November 2007.To many people the prospect of embarkingupon such a venture may have beendaunting, but to Angela it was the nextnatural step as she was determined tomake her own mark and excel in herchosen career.The core values which are the basis ofAngela’s business today were formed whenshe began her career in Loss Adjusting in1985 with a leading practice based inthe North West. There she found herprofessional niche, in an environmentwhere qualifications were valued, whereshe was able to gain experience in handlingall types of claims, under the auspices ofmentors whose reputations in the businesswere renowned.Early in her career Angela gained key skillsin dealing with the type of surge situationswhich are so prevalent in today’s market,where flooding and severe weather occurwith unerring frequency. After qualifyingin 1992, as an Associate of the CharteredInstitute of Loss Adjusters, her managementskills were tested to their maximum duringthe major regional flooding disasters in theNorth West; this experience was to proveinvaluable for her career ahead and evennow at AED Adjusting.In August 1994 Angela joined AshworthMairs Group (AMG) and became amember of the management team thatcompleted the management buy-outof AMG in September 2005, Angela wasappointed Client Relations Director onthe Main Board.12

PROFILEThis period proved a catalyst for changeas Angela took a break from the businessand then returned with the launch of herown Loss Adjusting practice, AED Adjusting,in November 2007. AED Adjusting spottinga gap in the market, an Equine nichepositioning in the early months under thebrand, Equine First.To those who are thinking of embarkingupon a career in Loss Adjusting, she urgesthem to:“Choose a company who will invest in youand with whom you can develop and honecore skills achieved only by working alongsidethe best - think of it as an apprenticeship,where Chartered status will open so manydoors and equip you for the future”.A complete documentrecovery solution afterfire, flood and explosionFor a free damage assessment orfurther information call:0800 019 9990or visit: www.hdrs.co.uk13

JOB SEEKER SERVICEThis paper is a response to an item in the minutesof a meeting of the CILA Media & Web Committeeheld on 4 February 2010.Having briefly reviewed a number of other institutewebsites (ICE, RICS and CIPD), it appears the mainservice they offer job seekers is to allow them toupload their CV. This then becomes immediatelyavailable to recruiters if the job seeker indicatesthey want to apply for a job advertised on thewebsite. In other words it is merely a time savingdevice.There is also on offer another facility whereby thejob seeker uploads his or her CV which is addedto a database. Recruiters then pay to access thedatabase – as an alternative or in addition toplacing an advert.To be effective both the above require minimumvolumes of recruiters and job seekers. Currently,neither option would seem suited to the CILAbearing in mind the low key nature of the JobSpot.As an initial project I would suggest CILA aims toestablish a simple service focused on job seekerswho may be unemployed, or about to come to theend of a contract and who would be willing to letinterested parties see their CV.One way of providing such a service, assuminglow volumes of activity, would be to have a pageshowing high level details of the job seeker. Thismight include the following information:HeadingCandidate ReferenceAreas of Experience:QualificationsLocationCommentCILA generated codeFree text, limited to say50 wordsE.g. FCILA, FRICS etcE.g. London and the SE,Midlands, Scotland etc.The information would be posted for say 30 days,and could be renewed for a further 30 days ifrequested by the job seeker.A potential recruiter would then be able to visitthis page and if they are interested in a particularcandidate they should be asked to email theirdetails to the Institute, the email to be a formwith mandatory fields to enable the collection ofsufficient information to adequately establish therecruiter’s identity. Once satisfied the request isin order, the Institute would send a copy of the CVto the recruiter.I do not believe the above suggestion is the solesolution to the initiative, or necessarily the best,however I hope it will provoke some thought andprovide the basis for discussion at the next Media& Web Committee meeting.Should the Institute decide to proceed with someform of job seeker service careful considerationof the Data Protection Act will be required.Stan NoakesSpecialists in the cleansing,treatment, care and sympatheticrestoration of fine carpets andtapestries.Our services for loss adjusters include:• Emergency salvage operations• Specialised, careful, thorough cleansing• Fine restorations including re-weavings• Detailed damage reports including affected values• Chemical treatments to remove stains or colour damage• Replacement items where necessaryAvailabilityE.g. Immediately, fromApril etcESTABLISHED 1920The Alban Building, St Albans Place, Upper St, London N1 0NXTel: +44 (0)20 7226 0144 Fax: +44 (0)20 7359 4795rbehar@beharprofex.com / www.beharprofex.com14

BENEFITS FOR MEMBERSINTRODUCTIONCILA Membership carries with it many benefits, some of which are detailed below.MEMBERSHIP BENEFITSClaims FocusCILA’s electronic quarterly claims publication,with all the latest industry news, articlesand reports.CILA BytesCILA’s monthly email newsletter, with updateson CILA published technical papers, news andevents, and more.Conferences and EventsAttend our Specialist Interest Group seminars,local area events, and our annual TechnicalConference.CILA World Recognised QualificationsNow more than ever it is important to keepyour knowledge and skills up to date in orderto thrive in a competitive marketplace.Post-nominalsQualified membership entitles you to use thedesignatory letters after your name, showingyour expertise in the claims arena.Code of ConductA statement of the fundamental principlesof professional conduct together with somespecific guidance notes. This includes aconfidential complaints procedure.Searchable Database of CILA MembersLocate members of the Institute using oursearchable database.Specialist Interest GroupsThe CILA created Specialist Interest Groups in2005 to enable all members to be associatedwith those who are practising in, and haveexpertise in, one of the 13 specialist claimsareas.Retired Members’ SchemeAfter retirement you can remain a memberwith a once only subscription.Access to CILA Guidance Notes,Technical Bulletins and moreMembers only access to guidance notes,technical bulletins and more via the CILAwebsite.Professional Indemnity CoverThe Institute has a bespoke PI Policy speciallynegotiated for our members.ExaminationsExaminations and examination support.THE CHARTERED INSTITUTE OF LOSS ADJUSTERSWarwick House, 65-66 Queen Street, London EC4R 1EBEmail: info@cila.co.ukwww.cila.co.uk15