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Ramgarhia Sikh Gurdwara, Leicester
COMMERCIAL FLOOD INSURANCE CLAIM
This was a case where the building was struck by lightning during the fierce storms that ravaged the country during the early part of 2014.
The Incident
What made this more incredible is that at the time of the strike there were a group of ladies in the main prayer room close to the Palki. There was internal CCTV cameras which clearly show the extent of the power of this lightning strike as the screen clearly shows a vast amount of masonry and ceiling tiles collapsing on or around this group of ladies and miraculously no one was injured other than one elderly lady in her late 80’s went to hospital due to shock.
The Result
The Temple has been built back to its former glory and whilst the refurbishment works were being undertaken they agreed with contractors that on certain days they would need to have temporary marquees put inside the building to enable religious events to continue and indeed continue to have numerous weddings proceed without cancelling same. The loss was over £150K. The force of nature and the amount of power meant that a number of metal purlins and walls had to be replaced and rebuilt and the entire project took nearly nine months to complete although it could have been quicker had there been the decision to stop contractors working due to the various religious events. This actually assisted insurers as it meant that the loss of donations was significantly less than perhaps they could have been and this was achieved by a larger number of members of the Temple working unselfishly to allow these religious events and weddings to go ahead
Client Comment
Thank you very much for all your help in your negotiations with the insurers and successfully securing our claim.
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INCIDENT
What happened?GREAT
How would you like us to contact you?NEARLY DONE
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Chris Bennett26 Sep 2025A wonderful serviceDannielle Douglas was our contact with Harris Balcombe when my son, who has a brain injury, accidentally set his house on fire. It is no exaggeration to say we simply could not have managed the complicated insurance claim without her help. She dealt directly with the insurers, who could not have been more unhelpful and took months to agree a settlement, despite the fact that my son was fully insured; fought tooth and nail to get full compensation; and organised the rebuilding once it was agreed.
Dannielle was also exceptionally kind and patient with my son, who was considerably traumatised by the whole experience, and as well as replying to all his queries kept the rest of the family fully updated with the progress of the claim.
Based on our experience with Dannielle, I would wholeheartedly recommend Harris Balcombe to assist with insurance claims.
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Thackray3 Aug 2025How to get a house rebuild under insurance without stressAlmost three years ago, the house my brother and I inherited from our father caught fire. At the time I was caring for my wife, who had been diagnosed with MND. Harris Balcombe contacted me and said they would manage the insurance rebuild process. And that’s exactly what they did — friendly, no fuss, thorough, patient (and believe me, the insurance company behaved like total idiots, taking seven months to accept the claim, which required a lot of patience).
Once that was accepted, they engaged surveyors, managed the inevitable pushback from the insurers as to what should and shouldn’t be done, then tendered for rebuild, engaged contractors, and finally helped tie up the loose ends which were always going to happen.
A big thanks to HB in general, and Jonathan Ingham in particular. I would never have been able to do this.
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