Rainhead Revisited –your annual reminder Theanningham

EDITORIAL ENQUIRES: Warren Strybosch 1300 88 38 30 warren@findnetwork.com.au

PUBLISHER: Issuu Pty Ltd

POSTAL ADDRESS: 248 Wonga Road, Warranwood VIC 3134

ADVERTISING AND ACCOUNTS: editor@findmanningham.com.au

GENERAL ENQUIRIES: 1300 88 38 30

EMAIL SPORT: sport@manningham.com.au

WEBSITE: www.findmanningham.com.au

Our Newspaper

The Find Manningham was established in 2019 and is owned by the Find Foundation, a Not-For-Profit organisation with a core focus of helping other Not-ForProfits, schools, clubs and other similar organisations in the local community - to bring everyone together in one place and to support each other. We provide the above organisations FREE advertising in the community paper to promote themselves as well as to make the community more aware of the services these organisations can offer.

The Find Manningham has a strong editorial focus and is supported via local grants and financed predominantly by local business owners.

All Things Manningham

The City of Manningham is a local government area in Victoria, Australia in the north-eastern suburbs of Melbourne. Manningham had a population of approximately 125,508 as at the 2018 Report which includes 27,500 business and close to 45,355 households. The Doncaster and Templestowe Council administered the area until December 15, 1994.

Acknowledgement

The Find Manningham acknowledge the Traditional Owners of the lands where Manningham now stands, the Wurundjeri people of the Kulin nation, and pays repect to their Elders - past, present and emerging - and acknowledges the important role Aboriginal and Torres Strait Islander people continue to play within our community.

Disclaimer

Readers are advised that the Find Manningham accepts no responsibility for financial, health or other claims published in advertising or in articles written in this newspaper. All comments are of a general nature and do not take into account your personal financial situation, health and/or wellbeing. We recommend you seek professional advice before acting on anything written herein.

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Next Issue

Next Issue of the Find Manningham will be published on Wednesday May 8, 2023. Advertising and Editorial copy closes Monday May 1, 2023.

By Craig Anderson

As we head into the cooler months, and the leaves start to pile up in your gutters at work as well as at home, I’m here to remind you about preventative maintenance. Your insurer has a fair and reasonable expectation that your building will be maintained in a serviceable condition; and under certain circumstances, they can deny a claim if they feel the building has been damaged as the result of negligence. Blocked gutters and downpipes are increasingly the cause of unnecessary water ingress claims due to poor maintenance. However, this is only part of the story. Stormwater pits and pipes also need maintenance and as a result of being out of sight, are overlooked frequently. When they back up due to a blockage, huge volumes of water can enter your building with catastrophic results, when gutters and downpipes can’t discharge the rainwater fast enough, or perhaps not at all.

Often the cost to maintain stormwater systems is cheaper than paying the policy excess and having your home or business damaged, not to mention the stress a water ingress event adds to your life. It’s certainly cheaper than paying the resultant damage yourself if a claim is rejected. Insurance renewal premiums can be impacted, resulting in ongoing increased costs to you, and deteriorating claims history does not make you attractive to a new insurer either.

I am seeing insurers become more focused on these types of claims due to the massive jump in storm related claims, and I can say from recent experience they will dig in their heels if they believe neglect is involved, or if they believe a system is inadequate. Hopefully this little reminder might save you a painful claim.

For a “health check” of your business insurance, contact Small Business Insurance Brokers via email: sales@ smallbusinessinsurancebrokers.com.au

Any advice in this article has been prepared without taking into account your objectives, financial situation or needs. Because of that, before acting on the above advice, you should consider its appropriateness (having regard to your objectives,needs and financial situation).

Craig Anderson GENERAL INSURANCE

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Insurance Brokers 0418 300 096

The Advisor Innovation Summit is back in 2023 with a focus on how advisers can adapt to transform and thrive in the future.

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Taking place over two days — 8 and 15 June 2023 — the summit will unpack how advice practices could revamp their business models to succeed even when the market is volatile and deliver cost-effective advice, boost efficiencies, and meet compliance requirements.

The IPA conference, also over two days, will provide delegates with key information to enhance their technical knowledge, understand emerging