If you are a tenant in a commercial building with an FRI* lease, then you must ensure the damage is signed off by a competent surveyor, as this will protect your position when it comes to dealing with any dilapidation that occurs further down the line.  

The very point of insurance is to give you peace of mind that you are protected should the worst happen. Purchasing insurance cover is the first step, but it's vital to continually ensure you have the correct level of cover in place.  

Every winter millions of pounds of damage are experienced by businesses and households from burst pipes, roof snow collapses and water ingress. However by taking some basic precautions and planning ahead, many incidents can be prevented or the effects of damage minimised.