Cornish Mutual Inspector Joan Ball was involved in the aftermath of the severe flooding* in St Austell, St Blazey, Lostwithiel, Fowey and Mevagissey in November last year. The company helped people affected and organised a team of loss adjusters and flood damage restoration specialists to visit Members.
Jim and Vina Lobb from St Ewe (pictured with Joan Ball) suffered significant damage to their two let properties in Pentewan. Mr and Mrs Lobb contacted Cornish Mutual who organised for a loss adjuster to visit the properties the same day.
Vina said: “We saw the flooding on the news and I went down to the properties in Pentewan straight away. We called Cornish Mutual in the morning and the loss adjuster was there by the early afternoon. I spent the whole day helping the tenants however I could – it was really upsetting.
“Around a foot of water had swept through the ground floors, underneath the doors and into the properties. It was filthy dirty, muddy, smelly and the scene was chaotic - completely unexpected. The tenants were brushing out and they’d lost a lot of their possessions, everything downstairs and the water had flooded the lower parts of the staircases,” she said.
Both properties were uninhabitable after the flooding. Luckily, Vina and Jim, who have been Cornish Mutual Members for more than 60 years, had buildings insurance and their policy also included cover for loss of rental income.
Cornish Mutual paid £31,000 to restore the properties and the company spent £103,500 in total to settle 19 claims relating to the Cornish floods.
It took around three months to get everything back to normal – plaster had to be stripped off the walls, skirting boards and floors needed to be ripped up and the kitchens required complete rebuilds. Both properties needed to be cleaned and dried out and then rewired, recarpeted and redecorated.
Vina brought in builder Chris Lobb from Gorran Haven and plumber Dean Hancock from Trewoon, who following discussion and agreement with Spectrum Loss Adjusters, completed the remedial works required following the flooding.
Vina Lobb, who met Prime Minister David Cameron during the floods, added: “Cornish Mutual, Spectrum and Richfords provided an absolutely fabulous service – it couldn’t have been better. Whenever there were any problems or queries, we just called and they always had time for us. Cornish Mutual took a lot of the pressure off; they just took care of everything.”
Cornish Mutual Inspector, Joan Ball said: “It’s always great to hear really positive comments about the service we provide and the team did an absolutely fantastic job of helping those affected by the flooding. Something like this is extremely distressing, it takes a long time to deal with and we wanted to make sure we did all we could to provide Members with the help, advice and reassurance that we would get it sorted out for them.”
Adam Smith from Spectrum Loss Adjusters added: “Whenever a major event of this scale occurs, a prompt response is required and we contact all policyholders to establish the position, reassure them of the claims process and assess the situation. We always endeavour to visit claimants on the same day, as we did with Mr and Mrs Lobb. We were able to liaise with them and their tenants, to explain our involvement and agree an immediate plan of action.
“It’s vital that services are checked to ensure safety at an early stage and we make arrangements for the properties to be cleaned and dried at the earliest opportunity, as these initial prompt measures will mitigate the final claim. We worked closely with the Cornish Mutual team to make sure Members got a prompt efficient service and, wherever possible we used local contractors to expedite the process.”
Mike Cooper from flood restoration specialists Richfords commented: “At Richfords we’re in the business of giving people their lives back after fires and flooding. As the November flooding in St Austell, St Blazey, Lostwithiel, Fowey and Mevagissey was so local to us we were involved in drying and restoring over 100 properties. We were very pleased to have been able to help so many families within our community and to work closely with Cornish Mutual and Spectrum loss adjusters to deliver great service.”
Cornish Mutual is based in Truro, employs more than 70 members of staff and provides insurance products for people and businesses across Cornwall, Devon, Somerset and Dorset.
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