Wordings Library
Property extensions
Clause explained
Professional Fees
Covers reasonable architects', surveyors', engineers', or consultants' fees needed for insured reinstatement.
Meaning
Covers reasonable architects', surveyors', engineers', or consultants' fees needed for insured reinstatement.
Why insurers use it
To pay necessary technical costs while excluding claim preparation or improvements unless separately covered.
Effect on coverage
Usually responds only after insured damage and within a stated percentage or sublimit.
Illustrative example
An engineer must assess structural stability and design the reinstatement after a fire.
Claim consequence
Fees may be reduced if they relate to upgrades, uninsured damage, or preparing the insurance claim.
What the insured should negotiate or check
Check eligible professions, sublimit, basis of settlement, statutory upgrades, and overlap with claims-preparation costs.