James is a Member of the Royal Institution of Chartered Surveyors (MRICS) with 18 years of experience in loss adjusting and property valuation. He is a specialist in structural defects, flood risk assessment, and tenancy management. He currently consults for large residential portfolios.
James Thorne spent the first decade of his career as a loss adjuster investigating major household insurance claims, from catastrophic floods in Cumbria to complex subsidence cases in London. This frontline experience gave him a forensic understanding of how insurers interpret policy wordings regarding maintenance and gradual damage. As a Chartered Surveyor, he now helps homeowners and landlords accurately calculate rebuild costs using BCIS data to avoid the devastating effects of the 'average clause' during claims. James is an authority on the Flood Re scheme and resilient repair methods for high-risk properties. He also advises landlords on compliance with the ever-changing rental sector regulations, focusing on deposit protection schemes and tenant referencing to mitigate liability. His expertise extends to security assessments, advising on alarm standards and physical fortifications to prevent burglary claims. James writes to bridge the knowledge gap between property owners and insurance actuaries, providing technical yet accessible advice on protecting physical assets. His guidance is essential for anyone managing a property portfolio or insuring a non-standard home.