Environmental Damage Claims - localinstitutes.cii.co.uk · Insurance Institute of Leeds...
Transcript of Environmental Damage Claims - localinstitutes.cii.co.uk · Insurance Institute of Leeds...
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Mike Marston ACII FCILA
Insurance Institute of Leeds
Environmental Damage Claims
11 April 2017
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Cause/Circumstances
Product
Volume
Locus
Migration
Regulator
Third party
Free product
FNOL-Questions to ask
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Calm Emergency response Temporary tank Children/Elderly/Pets Vapour/health/safety Simple assistance What not to do Adjuster and Consultant will be instructed immediately
Advice to insured
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Will I have to move out?
Will it affect my health?
Will it affect the value of my property?
How long will repairs take?
Can you restore the property?
Damage next door
What happens next?
FAQs
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Control - Emergency response/containment/clean up
Site walkover
in-site
Extent of damage
Risk based strategy
Remediation options
Remediation - UK Spill
Validation
Reinstatement
Consultancy process
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Methods of remediation Excavate and dispose
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Methods of remediation Product removal
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Methods of remediation Pump and treat/soil vapour extraction
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Methods of remediation Chemical treatment
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Methods of remediation Bio remediation
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Methods of remediation Barrier installation
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Natural attenuation
Methods of remediation
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Property
Public Liability/Bartoline
Brokers beware!
EIL/CPL
Policy cover
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Protection of the environment
Civil law
Criminal Law
Environmental legislation
Fines/civil sanctions
Legal liability
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Regulators
EA/Natural Resources/SEPA/NIEA
EA power
Regulator involvement
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Spillage causation – contractor error
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Spillage Causation – Lightning
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Spillage Causation – storm
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Spillage Causation – Motor accident
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Spillage Causation – Split tank
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Spillage Causation – Fire
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Spillage Causation – Tank Failure
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Spillage Causation – Sight gauge
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Spillage Causation – filter bowl and offset fill
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Questions?