Date: January 2011

“We would have no hesitation in recommending the services of Harris Balcombe. Without their help and advice we could not have resolved the various issues that have been involved with our claim.”  Syed Umor Ali, owner

The Incident

Date: 10 July 2009 Incident: Water damage resulting from fire in adjacent premises Scope of Damage: Extensive damage to all floors

The Consequences

Contents, Fixtures & Fittings: Damage to kitchen, ground & first floor contents and tenants' accommodation Buildings: Extensive water damage to party walls, floors and ceilings Business Interruption: Trading ceased immediately and the property rendered unusable for 9 months

The Team

Stewart Dymant – Partner, Harris Balcombe, Chartered Accountant specialising in business interruption John Elms – Consultant specialising in both Material Damage & Business Interruption claims

The Outcome

The restaurant was refurbished and refitted as necessary and reopened for trading in January 2010.

Team Work in Action

Material Damage

Loss Adjusters acting for the insurers initially indicated that damage from water ingress was only minimal at worst. We quickly proved that damage was considerably more extensive and quantified the loss so that drying and repairs could commence. Working closely with the surveyors and building contractors we ensured that all repairs and refurbishments were completed to meet the re-opening deadline of January 2010.

Business Interruption

The Business Interruption claim was calculated and negotiated with the insurers to allow interim payments to be agreed and paid. We helped form a promotional reopening programme with The Red Fort and negotiated its implementation with the Loss Adjusters. This programme helped turnover to return to expected levels in May 2010 just over three months from reopening.