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The main change in the 2006 Regulations is the inclusion of domestic homeowners in the definition of “client”. There are therefore now two types of clients.

Ombudsman listened to recordings of conversations between Policyholder and her Insurer and concluded damage had occurred in early December.

In conclusion it is my view that the Ombudsman and indeed Courts in this Country would take a similar view and as long as a Policyholder has taken reasonable steps to look after and maintain their property and has not “abandoned” it then Insurers will have difficulty avoiding liability.

I remain steadfast in the view that arbitrary retentions were sold to some Insurers by certain loss adjusting firms as a marketing ploy.

It would appear to me that some Insurers are now regretting providing cover on a “new for old” basis.

Nearly a week on from the deluge of 28th June 2012, a significant amount of claims have been notified to Insurers.