Living room with dog on dog bed

Real estate

Woodgate & Clark have extensive experience in handling claims in this specialist market on both an adjusting and desktop basis, and also with instructions directly from insurers.

All property owners policies are considered to be commercial risks; however, they will often straddle both commercial premises such as offices and shops and residential flats and apartments. As a result, these claims carry multiple stakeholder interests and in addition to the insurer, broker and named policyholder there will often be leaseholders, tenants, managing agents, sub-brokers and potentially other parties who need to be kept in the communication loop.

Claims in this sector will almost always relate to material damage, involving buildings and loss of rent receivable or alternative accommodation. Where premises are unusable, we expertly analyse leases to establish rights and responsibilities, and assess the need for alternative accommodation and manage claims for loss of rent.

Mike Farley

Mike Farley, Divisional Director


Mike is a director and is responsible for account management and business development. He started working in loss adjusting in 1987 and has held a number of senior management roles. Mike has specialist experience in the real estate market and is a member and past chairman of the Property Investors Committee of the Insurance Institute of London.

Outside of his working life, Mike enjoys gardening, bird watching and listening to music. He also holds a season ticket for Tottenham Hotspur FC where he experiences regular frustration and disappointment.