In this edition of Let’s Chat Property!, we’re joined by Pinder Dhaliwal, Managing Director of Falcon Insurance, who has been running the business for nearly 20 years after getting his start in insurance at just 14 years old.
With decades of experience behind him, Pinder cuts through the noise on some of the most misunderstood areas of property insurance — and it’s essential listening for any investor, whether you’re just starting out or managing a large portfolio.
Pindar’s Perspective on Insurance
In this episode, he breaks down why reinstatement value often bears no relation to market value, and why so many investors, particularly those who bought years ago and never revisited their cover, are unknowingly sitting on policies that could leave them severely out of pocket. You’ll hear about the 50% underinsurance rule that insurers can use to refuse a claim entirely, and why getting your sums insured right isn’t just good practice, it’s the difference between a policy that works and one that’s worthless.
Why Portfolio Landlords Should Listen
For portfolio landlords, there’s valuable insight into when to move from individual policies to a single portfolio policy, how claims are rated across a portfolio, and why getting your tenancy types wrong on a policy can invalidate everything else you’ve put in place.