You are a claims handler for AB plc$,$ a personal lines insurer. One of AB plc$\text{'}$s policyholders,

Mary, has a household $$all risks$$ policy. Mary contacted the claims department today and

reported that five months ago her house had been burgled and that her jewellery had been

stolen. She had not realised that she had been covered against this loss until recently. She

has since upgraded her burglar alarm to improve security in her house. Mary also reported

that last week her utility room had flooded due to a burst pipe. She has paid a plumber to stop

the leak and replace the pipes. The plumber told her that the pipe had disintegrated due to

wear and tear.

a$)$ Explain whether Mary can now claim for the theft of her jewellery.$(4$ marks$)$

b$)$ Discuss what information insurers will require from Mary in support of her claim.$(7$ marks$)$

c$)$ Explain whether Mary can recover the cost of upgrading the burglar alarm.$(4$ marks$)$

d$)$ Explain, with justification, what costs Mary can claim arising from the burst pipe.$(5$ marks$)$