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From: Bateman Group <enquiries@bateman-group.co.uk>
Date: Thu, 29 Feb 2024 20:41:55 +0000
Subject: Are you under-insured?
To: <admin@sarahharvey.com>
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Are you under-insured?
Why being underinsured matters...=C2=A0=C2=A0=C2=A0=C2=A0
Hi=C2=A0,=C2=A0=C2=A0=C2=A0=C2=A0
What is underinsurance?
Underinsurance emerges as the insurance industry's paramount challenge, dem=
anding attention for those seeking to safeguard homes, businesses, and valu=
able assets. This issue arises when policy cover limits prove insufficient =
for total losses or claims, encompassing both the building and its contents=
. The introduction of an "average clause" allows insurers to proportionally=
reduce payouts based on the degree of underinsurance=E2=80=9450% underinsu=
red results in a 50% claim payment.
Ensuring that cover limits accurately reflect the current total rebuild or =
replacement value is imperative. Failure to do so jeopardizes the possibili=
ty of full or any claim payment. Regularly reviewing sums insured, even wit=
h annual indexation, is essential. In cases of doubt, seeking guidance from=
professional valuers is advised. Various websites and tools are available =
for accurate assessments, but users must assume responsibility for pre-fill=
ed form accuracy, especially when using rebuild calculator websites.
=C2=A0=C2=A0=C2=A0=C2=A0
Our insurance (https://bateman-group.briefyourmarket.com/Goto/619685-89290-=
KO01HL)=C2=A0=C2=A0=C2=A0=C2=A0
______________________________________=C2=A0=C2=A0=C2=A0=C2=A0
Some useful tips in preventing under-insurance:=C2=A0=C2=A0=C2=A0=C2=A0
Regularly review policy schedule limits to ensure adequacy for full claim p=
ayment in the event of a total loss.=C2=A0=C2=A0=C2=A0=C2=A0
Report significant purchases during the insurance period to prevent underin=
surance.=C2=A0=C2=A0=C2=A0=C2=A0
Notify insurers of renovations or structural works to adjust property rebui=
lding values accordingly.=C2=A0=C2=A0=C2=A0=C2=A0
Despite annual indexation, assess and adjust coverage for increased values =
and changes.=C2=A0=C2=A0=C2=A0=C2=A0
Request a useful checklist for a room-by-room basis assessment of content v=
alue to ensure accuracy.=C2=A0=C2=A0=C2=A0=C2=A0
Get in touch (https://bateman-group.briefyourmarket.com/Goto/619685-89291-C=
GR2HE)=C2=A0=C2=A0=C2=A0=C2=A0
It's crucial to recognize that the principles and consequences of underinsu=
rance apply to all insurance policies. Whether insuring a home, business, o=
r rental property, accuracy in advised values is imperative.=C2=A0 =20
We are obliged to remind you that Bateman Group are not qualified or profes=
sional valuers and do not provide this service =E2=80=93 and therefore it i=
s not our responsibility to check or advise if values are adequate. =20
We are always here to help, guide and assist - and if you have any concerns=
regarding your existing cover, then please do not hesitate to contact us o=
n 01926 4095113 to discuss your requirements in more detail =E2=80=93 it=E2=
=80=99s always better to prevent a problem beforehand than it is to try to =
deal with it after the event!=C2=A0=C2=A0=C2=A0=C2=A0
Visit website (https://bateman-group.briefyourmarket.com/Goto/619685-89290-=
KO01HL)=C2=A0=C2=A0=C2=A0=C2=A0
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53 Smith Street, Warwick CV34 4HU
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tyle=3D"padding:0 20px; font-weight: normal; text-align: center;">
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n:none; font-weight:normal; color:#ffffff;" target=3D"_blank">Insurance</a>
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n:none; font-weight:normal; color:#ffffff;" target=3D"_blank">Pensions & In=
vestments</a>
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n:none; font-weight:normal; color:#ffffff;" target=3D"_blank">Blog</a>
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n:none; font-weight:normal; color:#ffffff;" target=3D"_blank">Get a Quote</=
a>
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group.briefyourmarket.com/Goto/619685-89280-MVC/XB" style=3D"text-decoratio=
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615358027757"></a></th></tr></tbody></table></td></tr></table></td></tr></t=
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0px; font-size: 16px; color: #313131; font-family: Trebuchet MS, Lucida San=
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f;">Hi ,</span></div></td>
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S, Lucida Sans, Tahoma, sans-serif;" align=3D"center">
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pacing=3D"0" width=3D"620" class=3D"width100" align=3D"center">
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131; font-family: Trebuchet MS, Lucida Sans, Tahoma, sans-serif;">
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cing=3D"0" border=3D"0"><tr><td><table align=3D"left" cellpadding=3D"0" cel=
lspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable">=
<tr><td style=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" cellpaddi=
ng=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-p=
addingTable"><tr><td style=3D"padding: 0px;"><table cellspacing=3D"0" cellp=
adding=3D"0" style=3D"" width=3D"100%" id=3D"bym-segment-new3" bym-type=3D"=
Layout" bym-size=3D"600,40" bym-meta=3D"{"columnWidths":[600],&qu=
ot;readonly":false}" bym-change-number=3D"2" class=3D"bym-layout-style=
"><tbody><tr><th style=3D"vertical-align: top;width: 100%;font-weight: norm=
al;" class=3D"bym-email-layout-responsiveColumn bym-email-layout-column" al=
ign=3D"left" width=3D"600"><table align=3D"left" cellpadding=3D"0" cellspac=
ing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><=
td style=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D=
"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddin=
gTable"><tr><td style=3D"padding: 20px;border-width: 0px;border-style: none=
;border-color: rgb(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D=
"0" style=3D"font-family: "Trebuchet MS", "Lucida Sans"=
, Tahoma, sans-serif;font-size: 16px;color: rgb(49, 49, 49);min-width: 60px=
;font-weight: 400;display: table;" bym-type=3D"TextBlock" bym-meta=3D"{ &qu=
ot;toolbarType" : "Full" }" id=3D"bym-segment-new1" bym-size=
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<div><span style=3D"font-family: Arial, Helvetica; font-size: 26px; font-we=
ight: bold; color: #2e4c90;">What is underinsurance?</span></div>
<div><span style=3D"font-family: Arial, Helvetica; font-size: 18px;"> =
</span><br>
<div><span style=3D"font-family: Arial, Helvetica; font-size: 18px;">Underi=
nsurance emerges as the insurance industry's paramount challenge, demanding=
attention for those seeking to safeguard homes, businesses, and valuable a=
ssets. This issue arises when policy cover limits prove insufficient for to=
tal losses or claims, encompassing both the building and its contents. The =
introduction of an "average clause" allows insurers to proportionally reduc=
e payouts based on the degree of underinsurance—50% underinsured resu=
lts in a 50% claim payment.</span></div>
<br>
<div><span style=3D"font-family: Arial, Helvetica; font-size: 18px;">Ensuri=
ng that cover limits accurately reflect the current total rebuild or replac=
ement value is imperative. Failure to do so jeopardizes the possibility of =
full or any claim payment. Regularly reviewing sums insured, even with annu=
al indexation, is essential. In cases of doubt, seeking guidance from profe=
ssional valuers is advised. Various websites and tools are available for ac=
curate assessments, but users must assume responsibility for pre-filled for=
m accuracy, especially when using rebuild calculator websites.</span></div>
</div>
</div></td></tr></tbody></table></td></tr></table></td></tr></table></th></=
tr></tbody></table></td></tr></table></td></tr></table></td></tr><tr><td><t=
able align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0p=
x 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D=
"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td style=3D"paddin=
g: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"" width=3D"100=
%" id=3D"bym-segment-new32" bym-type=3D"Layout" bym-size=3D"600,20" bym-met=
a=3D"{"columnWidths":[600],"readonly":false}" bym-chang=
e-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-=
align: top;width: 100%;font-weight: normal;" class=3D"bym-email-layout-resp=
onsiveColumn bym-email-layout-column" align=3D"left" width=3D"600"><table a=
lign=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100=
%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 20px 50px;"><t=
able align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-paddingTable"><tr><td bgcolor=3D"rgb(241, 105, 16=
3)" style=3D"padding: 10px;background: rgb(241, 105, 163);border-width: 0px=
;border-style: none;border-color: rgb(128, 128, 128);"><table cellspacing=3D=
"0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS", "=
;Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: rgb(49, 49, 4=
9);min-width: 60px;font-weight: 400;display: table;" bym-type=3D"TextBlock"=
bym-meta=3D"{ "toolbarType" : "Full" }" id=3D"bym-segm=
ent-new33" bym-size=3D"600,85" bym-change-number=3D"8" width=3D"100%"><tbod=
y><tr><td><div style=3D"text-align: center;"><span style=3D"font-size: 22px=
; font-weight: bold; color: #ffffff; font-family: Arial, Helvetica;"><a hre=
f=3D"https://bateman-group.briefyourmarket.com/Goto/619685-89282-UC/NFP" st=
yle=3D"text-decoration: none; color: #ffffff;" title=3D"">Our insurance</a>=
</span></div></td></tr></tbody></table></td></tr></table></td></tr></table>=
</th></tr></tbody></table></td></tr></table></td></tr></table></td></tr><tr=
><td><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"=
width=3D"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0=
px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td style=3D=
"padding: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"" width=
=3D"100%" id=3D"bym-segment-new38" bym-type=3D"Layout" bym-size=3D"600,0" b=
ym-meta=3D"{"columnWidths":[600],"readonly":false}" bym=
-change-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th style=3D"ver=
tical-align: top;width: 100%;font-weight: normal;" class=3D"bym-email-layou=
t-responsiveColumn bym-email-layout-column" align=3D"left" width=3D"600"><t=
able align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 10px;"><ta=
ble align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-paddingTable"><tr><td style=3D"padding: 0px;borde=
r-width: 0px;border-style: none;border-color: rgb(128, 128, 128);"><table c=
ellspacing=3D"0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS=
", "Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: =
rgb(49, 49, 49);min-width: 60px;font-weight: 400;display: table;" bym-type=3D=
"TextBlock" bym-meta=3D"{ "toolbarType" : "Full" }" id=3D=
"bym-segment-new39" bym-size=3D"603,39" bym-change-number=3D"2" width=3D"10=
0%"><tbody><tr><td><div style=3D"text-align: center;">_____________________=
_________________</div></td></tr></tbody></table></td></tr></table></td></t=
r></table></th></tr></tbody></table></td></tr></table></td></tr></table></t=
d></tr><tr><td><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" bo=
rder=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td style=3D"=
padding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" cellspac=
ing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr>=
<td style=3D"padding: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" styl=
e=3D"" width=3D"100%" id=3D"bym-segment-new37" bym-type=3D"Layout" bym-size=
=3D"600,40" bym-meta=3D"{"columnWidths":[600],"readonly"=
;:false}" bym-change-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th=
style=3D"vertical-align: top;width: 100%;font-weight: normal;" class=3D"by=
m-email-layout-responsiveColumn bym-email-layout-column" align=3D"left" wid=
th=3D"600"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=
=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padd=
ing: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D=
"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td st=
yle=3D"padding: 20px;border-width: 0px;border-style: none;border-color: rgb=
(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"font-=
family: "Trebuchet MS", "Lucida Sans", Tahoma, sans-ser=
if;font-size: 16px;color: rgb(49, 49, 49);min-width: 60px;font-weight: 400;=
display: table;" bym-type=3D"TextBlock" bym-meta=3D"{ "toolbarType&quo=
t; : "Full" }" id=3D"bym-segment-new40" bym-size=3D"600,101" bym-=
change-number=3D"4" width=3D"100%"><tbody><tr><td><div><span style=3D"font-=
size: 26px; font-weight: bold; font-family: Arial, Helvetica; color: #2e4c9=
0;">Some useful tips in preventing under-insurance:</span></div></td></tr><=
/tbody></table></td></tr></table></td></tr></table></th></tr></tbody></tabl=
e></td></tr></table></td></tr></table></td></tr><tr><td><table align=3D"lef=
t" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D=
"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0px 0px;"><table =
align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"10=
0%" class=3D"bym-email-paddingTable"><tr><td style=3D"padding: 0px;border-w=
idth: 0px;border-style: none;border-color: rgb(128, 128, 128);"><table cell=
spacing=3D"0" cellpadding=3D"0" style=3D"color: rgb(49, 49, 49);font-size: =
16px;font-family: "Trebuchet MS", "Lucida Sans", Tahoma=
, sans-serif;font-weight: 400;height: 223px;display: table;" width=3D"100%"=
id=3D"bym-segment-new9" bym-type=3D"Layout" bym-size=3D"600,241" bym-meta=3D=
"{"columnWidths":[223,377],"readonly":false}" bym-chang=
e-number=3D"9" class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-=
align: middle;width: 223px;font-weight: normal;" class=3D"bym-email-layout-=
responsiveColumn bym-email-layout-column" align=3D"left" width=3D"223"><tab=
le align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D=
"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0p=
x 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D=
"0" class=3D"bym-email-paddingTable"><tr><td style=3D"padding: 20px;border-=
width: 0px;border-color: rgb(49, 49, 49);border-style: none;"><img bym-type=
=3D"ImageBlock" src=3D"https://bateman-group.briefyourmarket.com/images/sta=
rberry/feb/nl/v1_7__s0.846_c92.303_74.84_768.362_843.202_o938_938_e.jpg" by=
m-meta=3D"{"scale":0.23801704209057614,"cropBox":{"=
;left":92.30319749202127,"top":74.84043039893616,"width=
":768.3617520957446,"height":843.2021824946808},"readon=
ly":false,"originalSize":{"width":938.000061,"=
;height":938.000061},"isResponsive":true}" id=3D"bym-segment=
-new8" style=3D"display: block;" bym-size=3D"223,223" bym-change-number=3D"=
4" width=3D"182" width=3D"182.883191489362" class=3D"bym-email-layout-respo=
nsiveImage" width=3D"182.883191489362"></td></tr></table></td></tr></table>=
</th><th style=3D"vertical-align: middle;width: 377px;font-weight: normal;"=
class=3D"bym-email-layout-responsiveColumn bym-email-layout-column" align=3D=
"left" width=3D"377"><table align=3D"left" cellpadding=3D"0" cellspacing=3D=
"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td sty=
le=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" ce=
llspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable=
"><tr><td style=3D"padding: 20px;border-width: 0px;border-style: none;borde=
r-color: rgb(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D"0" st=
yle=3D"font-family: "Trebuchet MS", "Lucida Sans", Taho=
ma, sans-serif;font-size: 16px;color: rgb(49, 49, 49);min-width: 60px;font-=
weight: 400;display: table;" bym-type=3D"TextBlock" bym-meta=3D"{ "too=
lbarType" : "Full" }" id=3D"bym-segment-new27" bym-size=3D"3=
77,100" bym-change-number=3D"4" width=3D"100%"><tbody><tr><td><div><span st=
yle=3D"font-family: Arial, Helvetica; font-size: 18px;">Regularly review po=
licy schedule limits to ensure adequacy for full claim payment in the event=
of a total loss.</span></div></td></tr></tbody></table></td></tr></table><=
/td></tr></table></th></tr></tbody></table></td></tr></table></td></tr></ta=
ble></td></tr><tr><td><table align=3D"left" cellpadding=3D"0" cellspacing=3D=
"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td sty=
le=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" ce=
llspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable=
"><tr><td style=3D"padding: 0px;border-width: 0px;border-style: none;border=
-color: rgb(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D"0" sty=
le=3D"color: rgb(49, 49, 49);font-size: 16px;font-family: "Trebuchet M=
S", "Lucida Sans", Tahoma, sans-serif;font-weight: 400;heigh=
t: 216px;display: table;" width=3D"100%" id=3D"bym-segment-new26" bym-type=3D=
"Layout" bym-size=3D"600,216" bym-meta=3D"{"columnWidths":[216,38=
4],"readonly":false}" bym-change-number=3D"8" class=3D"bym-layout=
-style"><tbody><tr><th style=3D"vertical-align: middle;width: 216px;font-we=
ight: normal;" class=3D"bym-email-layout-responsiveColumn bym-email-layout-=
column" align=3D"left" width=3D"216"><img bym-type=3D"ImageBlock" src=3D"ht=
tps://bateman-group.briefyourmarket.com/images/starberry/feb/nl/v2_7__s0.69=
3_c0_0_938_938_o938_938_e.jpg" bym-meta=3D"{"scale":0.23027717052=
568508,"cropBox":{"left":0,"top":0,"widt=
h":938.000061,"height":938.000061},"readonly":fals=
e,"originalSize":{"width":938.000061,"height"=
:938.000061},"isResponsive":true}" id=3D"bym-segment-new11" style=
=3D"display: block;" bym-size=3D"216,216" bym-change-number=3D"1" width=3D"=
216" width=3D"216" class=3D"bym-email-layout-responsiveImage" width=3D"216"=
></th><th style=3D"vertical-align: middle;width: 384px;font-weight: normal;=
" class=3D"bym-email-layout-responsiveColumn bym-email-layout-column" align=
=3D"left" width=3D"384"><table align=3D"left" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td =
style=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0"=
cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTa=
ble"><tr><td style=3D"padding: 20px;border-width: 0px;border-style: none;bo=
rder-color: rgb(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D"0"=
style=3D"font-family: "Trebuchet MS", "Lucida Sans", T=
ahoma, sans-serif;font-size: 16px;color: rgb(49, 49, 49);min-width: 60px;fo=
nt-weight: 400;display: table;" bym-type=3D"TextBlock" bym-meta=3D"{ "=
toolbarType" : "Full" }" id=3D"bym-segment-new28" bym-size=3D=
"384,100" bym-change-number=3D"4" width=3D"100%"><tbody><tr><td><div style=3D=
"text-align: left;"><span style=3D"font-size: 18px; font-family: Arial, Hel=
vetica;">Report significant purchases during the insurance period to preven=
t underinsurance.</span></div></td></tr></tbody></table></td></tr></table><=
/td></tr></table></th></tr></tbody></table></td></tr></table></td></tr></ta=
ble></td></tr><tr><td><table align=3D"left" cellpadding=3D"0" cellspacing=3D=
"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td sty=
le=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" ce=
llspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable=
"><tr><td style=3D"padding: 0px;border-width: 0px;border-style: none;border=
-color: rgb(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D"0" sty=
le=3D"color: rgb(49, 49, 49);font-size: 16px;font-family: "Trebuchet M=
S", "Lucida Sans", Tahoma, sans-serif;font-weight: 400;heigh=
t: 216px;display: table;" width=3D"100%" id=3D"bym-segment-new13" bym-type=3D=
"Layout" bym-size=3D"600,216" bym-meta=3D"{"columnWidths":[216,38=
4],"readonly":false}" bym-change-number=3D"5" class=3D"bym-layout=
-style"><tbody><tr><th style=3D"vertical-align: middle;width: 216px;font-we=
ight: normal;" class=3D"bym-email-layout-responsiveColumn bym-email-layout-=
column" align=3D"left" width=3D"216"><img bym-type=3D"ImageBlock" src=3D"ht=
tps://bateman-group.briefyourmarket.com/images/starberry/feb/nl/v3_6__s0.69=
3_c0_0_938_938_o938_938_e.jpg" bym-meta=3D"{"scale":0.23027717052=
568508,"cropBox":{"left":0,"top":0,"widt=
h":938.000061,"height":938.000061},"readonly":fals=
e,"originalSize":{"width":938.000061,"height"=
:938.000061},"isResponsive":true}" id=3D"bym-segment-new14" style=
=3D"display: block;" bym-size=3D"216,216" bym-change-number=3D"1" width=3D"=
216" width=3D"216" class=3D"bym-email-layout-responsiveImage" width=3D"216"=
></th><th style=3D"vertical-align: middle;width: 384px;font-weight: normal;=
" class=3D"bym-email-layout-responsiveColumn bym-email-layout-column" align=
=3D"left" width=3D"384"><table align=3D"left" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td =
style=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0"=
cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTa=
ble"><tr><td style=3D"padding: 20px;border-width: 0px;border-style: none;bo=
rder-color: rgb(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D"0"=
style=3D"font-family: "Trebuchet MS", "Lucida Sans", T=
ahoma, sans-serif;font-size: 16px;color: rgb(49, 49, 49);min-width: 60px;fo=
nt-weight: 400;display: table;" bym-type=3D"TextBlock" bym-meta=3D"{ "=
toolbarType" : "Full" }" id=3D"bym-segment-new29" bym-size=3D=
"384,100" bym-change-number=3D"4" width=3D"100%"><tbody><tr><td><div style=3D=
"text-align: left;"><span style=3D"font-family: Arial, Helvetica; font-size=
: 18px;">Notify insurers of renovations or structural works to adjust prope=
rty rebuilding values accordingly.</span></div></td></tr></tbody></table></=
td></tr></table></td></tr></table></th></tr></tbody></table></td></tr></tab=
le></td></tr></table></td></tr><tr><td><table align=3D"left" cellpadding=3D=
"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-margin=
Table"><tr><td style=3D"padding: 0px 0px 0px 0px;"><table align=3D"left" ce=
llpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-=
email-paddingTable"><tr><td style=3D"padding: 0px;border-width: 0px;border-=
style: none;border-color: rgb(128, 128, 128);"><table cellspacing=3D"0" cel=
lpadding=3D"0" style=3D"color: rgb(49, 49, 49);font-size: 16px;font-family:=
"Trebuchet MS", "Lucida Sans", Tahoma, sans-serif;font=
-weight: 400;height: 224px;display: table;" width=3D"100%" id=3D"bym-segmen=
t-new24" bym-type=3D"Layout" bym-size=3D"600,224" bym-meta=3D"{"column=
Widths":[224,376],"readonly":false}" bym-change-number=3D"5"=
class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-align: middle;=
width: 224px;font-weight: normal;" class=3D"bym-email-layout-responsiveColu=
mn bym-email-layout-column" align=3D"left" width=3D"224"><img bym-type=3D"I=
mageBlock" src=3D"https://bateman-group.briefyourmarket.com/images/starberr=
y/feb/nl/v4_4__s0.693_c0_0_938_938_o938_938_e.jpg" bym-meta=3D"{"scale=
":0.23880595461922896,"cropBox":{"left":0,"to=
p":0,"width":938.000061,"height":938.000061},"=
;readonly":false,"originalSize":{"width":938.00006=
1,"height":938.000061},"isResponsive":true}" id=3D"bym-=
segment-new16" style=3D"display: block;" bym-size=3D"224,224" bym-change-nu=
mber=3D"1" width=3D"224" width=3D"224" class=3D"bym-email-layout-responsive=
Image" width=3D"224"></th><th style=3D"vertical-align: middle;width: 376px;=
font-weight: normal;" class=3D"bym-email-layout-responsiveColumn bym-email-=
layout-column" align=3D"left" width=3D"376"><table align=3D"left" cellpaddi=
ng=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-m=
arginTable"><tr><td style=3D"padding: 0px 0px 0px 0px;"><table align=3D"lef=
t" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D=
"bym-email-paddingTable"><tr><td style=3D"padding: 20px;border-width: 0px;b=
order-style: none;border-color: rgb(128, 128, 128);"><table cellspacing=3D"=
0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS", "=
Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: rgb(49, 49, 49=
);min-width: 60px;font-weight: 400;display: table;" bym-type=3D"TextBlock" =
bym-meta=3D"{ "toolbarType" : "Full" }" id=3D"bym-segme=
nt-new30" bym-size=3D"376,100" bym-change-number=3D"4" width=3D"100%"><tbod=
y><tr><td><div style=3D"text-align: left;"><span style=3D"font-size: 18px; =
font-family: Arial, Helvetica;">Despite annual indexation, assess and adjus=
t coverage for increased values and changes.</span></div></td></tr></tbody>=
</table></td></tr></table></td></tr></table></th></tr></tbody></table></td>=
</tr></table></td></tr></table></td></tr><tr><td><table align=3D"left" cell=
padding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-em=
ail-marginTable"><tr><td style=3D"padding: 0px 0px 0px 0px;"><table align=3D=
"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" clas=
s=3D"bym-email-paddingTable"><tr><td style=3D"padding: 0px;border-width: 0p=
x;border-style: none;border-color: rgb(128, 128, 128);"><table cellspacing=3D=
"0" cellpadding=3D"0" style=3D"color: rgb(49, 49, 49);font-size: 16px;font-=
family: "Trebuchet MS", "Lucida Sans", Tahoma, sans-ser=
if;font-weight: 400;height: 220px;display: table;" width=3D"100%" id=3D"bym=
-segment-new7" bym-type=3D"Layout" bym-size=3D"600,220" bym-meta=3D"{"=
columnWidths":[220,380],"readonly":false}" bym-change-number=
=3D"5" class=3D"bym-layout-style"><tbody><tr><th style=3D"vertical-align: m=
iddle;width: 220px;font-weight: normal;" class=3D"bym-email-layout-responsi=
veColumn bym-email-layout-column" align=3D"left" width=3D"220"><img bym-typ=
e=3D"ImageBlock" src=3D"https://bateman-group.briefyourmarket.com/images/st=
arberry/feb/nl/v5_1__s0.693_c0_0_938_938_o938_938_e.jpg" bym-meta=3D"{"=
;scale":0.23454156257245704,"cropBox":{"left":0,&q=
uot;top":0,"width":938.000061,"height":938.000061}=
,"readonly":false,"originalSize":{"width":938=
.000061,"height":938.000061},"isResponsive":true}" id=3D=
"bym-segment-new18" style=3D"display: block;" bym-size=3D"220,220" bym-chan=
ge-number=3D"1" width=3D"220" width=3D"220" class=3D"bym-email-layout-respo=
nsiveImage" width=3D"220"></th><th style=3D"vertical-align: middle;width: 3=
80px;font-weight: normal;" class=3D"bym-email-layout-responsiveColumn bym-e=
mail-layout-column" align=3D"left" width=3D"380"><table align=3D"left" cell=
padding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-em=
ail-marginTable"><tr><td style=3D"padding: 0px 0px 0px 0px;"><table align=3D=
"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" clas=
s=3D"bym-email-paddingTable"><tr><td style=3D"padding: 20px;border-width: 0=
px;border-style: none;border-color: rgb(128, 128, 128);"><table cellspacing=
=3D"0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS", &q=
uot;Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: rgb(49, 49=
, 49);min-width: 60px;font-weight: 400;display: table;" bym-type=3D"TextBlo=
ck" bym-meta=3D"{ "toolbarType" : "Full" }" id=3D"bym-s=
egment-new31" bym-size=3D"380,100" bym-change-number=3D"4" width=3D"100%"><=
tbody><tr><td><div style=3D"text-align: left;"><span style=3D"font-family: =
Arial, Helvetica; font-size: 18px;">Request a useful checklist for a room-b=
y-room basis assessment of content value to ensure accuracy.</span></div></=
td></tr></tbody></table></td></tr></table></td></tr></table></th></tr></tbo=
dy></table></td></tr></table></td></tr></table></td></tr><tr><td><table ali=
gn=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%"=
class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0px 0px 0px 0px;=
"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" wi=
dth=3D"100%" class=3D"bym-email-paddingTable"><tr><td style=3D"padding: 0px=
;"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"" width=3D"100%" id=3D=
"bym-segment-new32-e7e1e193-78fa-4a78-9d8e-9c30bb80a447" bym-type=3D"Layout=
" bym-size=3D"600,20" bym-meta=3D"{"columnWidths":[600],"rea=
donly":false}" bym-change-number=3D"2" class=3D"bym-layout-style"><tbo=
dy><tr><th style=3D"vertical-align: top;width: 100%;font-weight: normal;" c=
lass=3D"bym-email-layout-responsiveColumn bym-email-layout-column" align=3D=
"left" width=3D"600"><table align=3D"left" cellpadding=3D"0" cellspacing=3D=
"0" border=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td sty=
le=3D"padding: 10px 50px;"><table align=3D"left" cellpadding=3D"0" cellspac=
ing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr>=
<td bgcolor=3D"rgb(241, 105, 163)" style=3D"padding: 10px;background: rgb(2=
41, 105, 163);border-width: 0px;border-style: none;border-color: rgb(128, 1=
28, 128);"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"font-family:=
"Trebuchet MS", "Lucida Sans", Tahoma, sans-serif;font=
-size: 16px;color: rgb(49, 49, 49);min-width: 60px;font-weight: 400;display=
: table;" bym-type=3D"TextBlock" bym-meta=3D"{ "toolbarType" : &q=
uot;Full" }" id=3D"bym-segment-new33-7fe5cf88-2c23-4c90-a961-c5ad36f1e=
5de" bym-size=3D"600,63" bym-change-number=3D"10" width=3D"100%"><tbody><tr=
><td><div style=3D"text-align: center;"><span style=3D"font-weight: bold; f=
ont-size: 20px;"><a href=3D"https://bateman-group.briefyourmarket.com/Goto/=
619685-89283-9ZAMBO" target=3D"_blank" style=3D"color: #ffffff; font-family=
: Arial, Helvetica; font-size: 20px; text-decoration: none;" title=3D"" rel=
=3D"noopener noreferrer">Get in touch</a></span></div></td></tr></tbody></t=
able></td></tr></table></td></tr></table></th></tr></tbody></table></td></t=
r></table></td></tr></table></td></tr><tr><td><table align=3D"left" cellpad=
ding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email=
-marginTable"><tr><td style=3D"padding: 0px 0px 0px 0px;"><table align=3D"l=
eft" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D=
"bym-email-paddingTable"><tr><td style=3D"padding: 0px;"><table cellspacing=
=3D"0" cellpadding=3D"0" style=3D"" width=3D"100%" id=3D"bym-segment-new4" =
bym-type=3D"Layout" bym-size=3D"600,20" bym-meta=3D"{"columnWidths&quo=
t;:[600],"readonly":false}" bym-change-number=3D"2" class=3D"bym-=
layout-style"><tbody><tr><th style=3D"vertical-align: top;width: 100%;font-=
weight: normal;" class=3D"bym-email-layout-responsiveColumn bym-email-layou=
t-column" align=3D"left" width=3D"600"><table align=3D"left" cellpadding=3D=
"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-margin=
Table"><tr><td style=3D"padding: 10px;"><table align=3D"left" cellpadding=3D=
"0" cellspacing=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddin=
gTable"><tr><td style=3D"padding: 10px;border-width: 0px;border-style: none=
;border-color: rgb(128, 128, 128);"><table cellspacing=3D"0" cellpadding=3D=
"0" style=3D"font-family: "Trebuchet MS", "Lucida Sans"=
, Tahoma, sans-serif;font-size: 16px;color: rgb(49, 49, 49);min-width: 60px=
;font-weight: 400;display: table;" bym-type=3D"TextBlock" bym-meta=3D"{ &qu=
ot;toolbarType" : "Full" }" id=3D"bym-segment-new5" bym-size=
=3D"600,317" bym-change-number=3D"12" width=3D"100%"><tbody><tr><td><div><s=
pan style=3D"font-family: Arial, Helvetica; font-size: 18px;">It's crucial =
to recognize that the principles and consequences of underinsurance apply t=
o all insurance policies. Whether insuring a home, business, or rental prop=
erty, accuracy in advised values is imperative. </span><br><br><span s=
tyle=3D"font-family: Arial, Helvetica; font-size: 18px;">We are obliged to =
remind you that Bateman Group are not qualified or professional valuers and=
do not provide this service – and therefore it is not our responsibi=
lity to check or advise if values are adequate. </span><br><br><span style=3D=
"font-family: Arial, Helvetica; font-size: 18px;">We are always here to hel=
p, guide and assist - and if you have any concerns regarding your existing =
cover, then please do not hesitate to contact us on 01926 4095113 to discus=
s your requirements in more detail – it’s always better to prev=
ent a problem beforehand than it is to try to deal with it after the event!=
</span></div></td></tr></tbody></table></td></tr></table></td></tr></table>=
</th></tr></tbody></table></td></tr></table></td></tr></table></td></tr><tr=
><td><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"=
width=3D"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 0=
px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><td style=3D=
"padding: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" style=3D"" width=
=3D"100%" id=3D"bym-segment-new35" bym-type=3D"Layout" bym-size=3D"600,20" =
bym-meta=3D"{"columnWidths":[600],"readonly":false}" by=
m-change-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th style=3D"ve=
rtical-align: top;width: 100%;font-weight: normal;" class=3D"bym-email-layo=
ut-responsiveColumn bym-email-layout-column" align=3D"left" width=3D"600"><=
table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=
=3D"100%" class=3D"bym-email-marginTable"><tr><td style=3D"padding: 10px 50=
px;"><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" border=3D"0"=
width=3D"100%" class=3D"bym-email-paddingTable"><tr><td bgcolor=3D"rgb(241=
, 105, 163)" style=3D"padding: 10px;background: rgb(241, 105, 163);border-w=
idth: 0px;border-style: none;border-color: rgb(128, 128, 128);"><table cell=
spacing=3D"0" cellpadding=3D"0" style=3D"font-family: "Trebuchet MS&qu=
ot;, "Lucida Sans", Tahoma, sans-serif;font-size: 16px;color: rgb=
(49, 49, 49);min-width: 60px;font-weight: 400;display: table;" bym-type=3D"=
TextBlock" bym-meta=3D"{ "toolbarType" : "Full" }" id=3D=
"bym-segment-new36" bym-size=3D"600,65" bym-change-number=3D"5" width=3D"10=
0%"><tbody><tr><td><div style=3D"text-align: center;"><span style=3D"font-s=
ize: 22px; font-weight: bold; color: #ffffff; font-family: Arial, Helvetica=
;"><a href=3D"https://bateman-group.briefyourmarket.com/Goto/619685-89282-U=
C/NFP" style=3D"text-decoration: none; color: #ffffff;" title=3D"">Visit we=
bsite</a></span></div></td></tr></tbody></table></td></tr></table></td></tr=
></table></th></tr></tbody></table></td></tr></table></td></tr></table></td=
></tr><tr><td><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" bor=
der=3D"0" width=3D"100%" class=3D"bym-email-marginTable"><tr><td style=3D"p=
adding: 0px 0px 0px 0px;"><table align=3D"left" cellpadding=3D"0" cellspaci=
ng=3D"0" border=3D"0" width=3D"100%" class=3D"bym-email-paddingTable"><tr><=
td style=3D"padding: 0px;"><table cellspacing=3D"0" cellpadding=3D"0" style=
=3D"" width=3D"100%" id=3D"bym-segment-new22" bym-type=3D"Layout" bym-size=3D=
"600,15" bym-meta=3D"{"columnWidths":[600],"readonly":f=
alse}" bym-change-number=3D"2" class=3D"bym-layout-style"><tbody><tr><th st=
yle=3D"vertical-align: top;width: 100%;font-weight: normal;" class=3D"bym-e=
mail-layout-responsiveColumn bym-email-layout-column" align=3D"left" width=3D=
"600"><img bym-type=3D"ImageBlock" src=3D"https://bateman-group.briefyourma=
rket.com/images/templates/bottombar_s1_c0_0_620_15_o620_15_e.png" bym-meta=3D=
"{"scale":0.967741935483871,"cropBox":{"left"=
:0,"top":0,"width":620,"height":15},"rea=
donly":false,"originalSize":{"width":620,"hei=
ght":15},"isResponsive":true}" id=3D"bym-segment-new41" styl=
e=3D"display: block;" bym-size=3D"620,15" width=3D"600" width=3D"600" width=
=3D"600" class=3D"bym-email-layout-responsiveImage" width=3D"600"></th></tr=
></tbody></table></td></tr></table></td></tr></table></td></tr></table></di=
v>
</td>
</tr>
</table> =09
</td>
</tr>
</table>
=20
<table bgcolor=3D"#ffffff" width=3D"100%" border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" style=3D"border-top: 2px solid #2b4c8f">
<tr>
<td>
<table width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0">
<tr>
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px 10px 5px 10px; font-size: 11px; color: #2b4c8f; font-weight:normal; font=
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