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Learning how fire risk assessments are done.
Risk

Who Must Do a Fire Risk Assessment

Gerald Ntumba-WhitlockUpdated on August 20, 2026February 22, 2026

I remember standing in a half-charred warehouse in the Midlands back in ’98, the smell of wet soot still clinging …

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Complete guide to declined claims book cover.
Guides

The Complete Guide to Declined Claims

Gerald Ntumba-WhitlockUpdated on August 27, 2026February 21, 2026

I remember standing in a flooded basement in Surrey back in ’94, the smell of damp drywall and ruined carpets …

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Understanding how claims are investigated.
Claims

Why They Ask the Same Question Twice

Gerald Ntumba-Whitlock February 21, 2026February 21, 2026

I can still smell the damp, stagnant air of that semi-detached in Surrey—a house that had been gutted by a …

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Explaining how accidental damage extensions work.
Cover

Whether the Accidental Damage Add-on Pays

Gerald Ntumba-WhitlockUpdated on August 27, 2026February 20, 2026

I remember standing in a living room back in ’94, looking at a shattered, high-end television and a homeowner who …

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How fire risk is managed via assessment.
Risk

The Fire Risk Assessment and Its Actions

Gerald Ntumba-Whitlock February 18, 2026February 18, 2026

I remember standing in a half-charred living room in Surrey back in ’94, the air still thick with the acrid, …

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Explaining how excess and deductibles work.
Insurance

Raising the Excess and What It Really Saves

Gerald Ntumba-WhitlockUpdated on August 27, 2026February 18, 2026

I remember standing in a kitchen in Surrey back in ’94, the smell of scorched electrical wiring still thick in …

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How loss assessors differ from adjusters guide.
Claims

Hiring Someone on Your Side of the Table

Gerald Ntumba-WhitlockUpdated on August 20, 2026February 18, 2026

I remember standing in a flooded semi-detached in Surrey back in ’94, looking at a homeowner who was absolutely convinced …

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Complete guide to loss adjusters handbook.
Guides

The Complete Guide to Dealing With Loss Adjusters

Gerald Ntumba-WhitlockUpdated on August 27, 2026February 16, 2026

I remember standing in a half-submerged living room in Surrey back in ’94, the smell of damp plasterboard thick enough …

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Understanding how home emergency cover works.
Cover

Home Emergency Is a Call-out, Not a Repair

Gerald Ntumba-WhitlockUpdated on August 27, 2026February 15, 2026

I remember standing in a semi-flooded hallway in a semi-detached in Reading, watching a homeowner stare in disbelief at a …

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How security measures affect cover alarm conditions.
Risk

Alarm Conditions You Must Actually Follow

Gerald Ntumba-Whitlock February 11, 2026February 11, 2026

I remember standing in a darkened hallway in a suburb outside Johannesburg, the smell of damp plaster and burnt electronics …

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