Notes
Notes from the office
What we find ourselves explaining twice a week, written down once.
FOLD — DO NOT DETACH
- Wordings · 2026-08-12
Underinsurance and the average clause
If the sum insured is short, the claim is cut by the same proportion — even when the loss is far smaller than the cover.
- Placing · 2026-07-29
Why flood is placed separately
Pooling only works while the risks are independent. A flood takes a whole street at once, which is why it sits outside the standard wording.