Property damage insurance disputes

We advise and represent Lloyd’s, London Market and general insurers on all aspects of property insurance policy coverage and subrogation, nationally and internationally.

Our team advise insurers on all aspects of property insurance coverage in both contentious and non-contentious settings, on domestic and international risks, including:

  • Non-disclosures and misrepresentations in breach of the Insurance Act 2015
  • Fraudulent and suspicious claims
  • Breaches of warranties, terms and conditions
  • Material damage and business interruption
  • Double insurance and contribution
  • Facultative reinsurance, claims control, international claims management
  • Cyber, product recall, political violence, and other crisis management products
  • Rectification
  • Subrogation
  • Jurisdiction disputes

Classes include general property, delegated authority, industrial property, power, engineering, mining, machinery breakdown, renewables, contamination, jewellery and fine art and specie and political violence.

Through mediation, expert determination, arbitration or litigation, we deal with the resolution or determination of all types of property insurance related disputes.

Our team works with re/insurers on the drafting of policy wordings, settlement agreements and releases.

We represent insurers and reinsurers sued in incorrect jurisdictions if necessary through the use of declaratory proceedings and anti-suit injunctions, and through the instruction of overseas counsel. 

Our experience

  • Successfully defended political violence property insurers on $41m claim from Afghanistan
  • Advising all risks reinsurers on $100m+ damage to industrial plant and machinery (SE Asia)
  • Defending all risks insurers 
  • Defending excess layer insurers on contentious COVID Business interruption aggregation matters (multiple jurisdictions)
  • Defending insurers facing suspicious, wrongful COVID BI claims 
  • Advising London re/insurers on global machinery breakdown claims
  • Advising insurers following a fire at a food manufacturing plant that involved issues of misrepresentation in connection with the value of property insured and level of gross profit
  • Advising insurers following the collapse of a warehouse and damage to a West End London tenement in relation to coverage involving issues of fair presentation.
  • Acting for insurers in the recovery of a stolen Carlo Guiseppe Testore violin (c1900) and defending claims of contested ownership.
  • Advising upon policy coverage following a major explosion of a petrochemical plant in the Middle-East, and in particular the financial loss covers.
  • Acting in the defence of a claim following the contamination of fish farm stock due to the discharge of chemicals into the water course following a fire at a frozen food storage facility.

Get in touch

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Contact one of our lawyers today.

Our clients

• Lloyds syndicates
• London market insurers
• Leading global insurers and reinsurers

Our lawyers

Through our national office network, London office and international partner firms we represent insurers on domestic and international risks, from small to very large.

Did you know?

National office network

We handle UK property insurance coverage disputes though our national office network.

International work

We've handled property damage insurance disputes in more than 35 jurisdictions.

Defended a $41m claim

We successfully defended a $41m facultative property insurance / political violence claim from Afghanistan in Hamilton v Afghan Global, Anham

“Andrew Tobin is a very fine lawyer, with a keen eye on commercial priorities.”

“Solid, dependable, responsive and fully engaged in seeking the targeted outcome desired for his clients.”

Meet our team