Claims Handling

Professional Claims Assistance


When you deal with a fire or a burst pipe at your business you probably want the insurance claims process to go as smoothly and as quickly as possible so No More Mistakes With Professional Claims Assistance would be a real achievement. The reality is that the reason the claims process is sometimes difficult or long are several common mistakes claimants make.

Among the many possible insurance claims mistakes out there, under insurance is probably the one that costs the most money. According to ABI, a quarter (28%) of households do not have home contents insurance and professional policies sometimes do not fare much better, especially among small businesses. In this instance, if a fire consumed their belongings, they would have to replace all of them themselves. What seems like saving money on an insurance policy then ends up costing the claimant many times more. However, not anymore thanks to Professional Claims assistance provided by Loss Assessors such as Oakleafe Claims.

Professional Claims Assistance with Under Insurance

Underinsurance means the risk of recovering much less than your actual loss. For instance, having business property insurance without a contents policy would cover any structural damage to the property but not cover any costs of contents damaged during a fire or flood. Things do not have to have high value to add up very quickly and if you’re a coffee lover who loves to buy a cup on the way to work, you probably already know this. Office supplies add up just as quickly.

According to Professional Claims Assistance, another way that a property can be underinsured is if the value contained in the policy is less than the property is worth. For example, let’s say your business is insured for £100,000 and your damages after a fire is £50,000.  The insurance company’s loss adjuster upon inspection discovers that the property value is £200,000. In that case, you are underinsured by 50% and your claim for the fire loss is now worth only £25,000.

To avoid this, you can get your property surveyed on a regular basis, for example when it’s time to renew your insurance. This way you will always know true rebuilding costs which are important because they fluctuate. It’s also important to keep in mind that rebuilding costs can sometimes be more than the original value of damaged property.

Professional Claims Assistance Helping Avoid Common Mistakes

Filing a professional claim can be a difficult process without Professional Claims Assistance and documentation of damage is often the most important issue. The most common business insurance claims are for theft, fire and weather-related incidents. Whatever the incident is it must figure in your insurance policy as a covered event otherwise your claim is likely to be denied. You also must comply with the insurer’s requests for information when filing a professional claim and to make documentation available you need to first have it.

Therefore, photographing damage after any incident is essential and why storing documents such as receipts in a safe place can make a difference in the success of professional claims.

Some other professional claims mistakes are not filing on time and eliminating evidence. Filing on time is essential because the insurance company can deny your claim for an unreasonable delay. Eliminating evidence means throwing away any damaged items, after a flood or a fire for instance, before they were itemized, and the insurance loss adjuster has had time to verify the resulting damage.

Professional Claims Assistance In The Business World

Almost half of all business owners will have a need to file a professional commercial claim at some point, so the risks are quite high. Most business insurance policies cover public and employers’ liability, professional indemnity, commercial property damage, and business interruption. Currently, professional liability claims are quite high. Professional indemnity insurance is the one that protects a business against claims by clients who allege that the service provider has caused them financial loss.

The key to a smooth process in professional commercial claims is to never admit liability and to file on time. Admitting liability can be a reason for the insurance company to deny your claim and secondly not all facts are immediately apparent so this is something no one should ever do. Hiring a loss assessor to help with filing your professional claim can greatly contribute to its smooth processing and seriously shorten the time it takes for your claim to settle. Commercial property damage can usually be resolved fairly quickly but other incidents, such as theft, cybercrime or injury require an investigation, which may extend the time for the claim to settle.

Getting the Right Professional Claims Assistance

Hiring a Loss Assessor such as Oakleafe Claims for professional claims can go a long way in eliminating the common mistakes mentioned earlier because the Loss Assessor, such as Oakleafe Claims, deal with the insurer and make sure all their requirements are satisfied properly. One of the most important things a loss assessor does is to make sure your policy reflects correct values. This is crucial because the insurance loss adjuster works for the insurance company and cares about the benefit to them and not you.

People sometimes tend to undervalue their property to save on policy costs and this is a serious mistake since these savings will pale in comparison to what they will lose if they only receive half of their claim at a time when they will need it most. Accurate assessment of the value in both home and professional claims can mean the difference between having a successful claim that settles fast and having a claim rejected or drag on for months in order to correct inaccuracies.


No More Mistakes with Professional Claims Assistance will translate into smooth processing of professional claims every time. The best way to avoid some common professional claims mistakes is to hire a loss assessor and let those professionals guide you through the insurance complexities no one has time for.

What you want is to get your business up and running again instead of trying to understand insurance small print speak so that you can avoid some crucial mistake which might cause your claim to be rejected or undervalued. The services of a loss assessor will give you much more than an expedited claim – it will provide peace of mind.

How To get The Best Insurance Claim Settlement

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How To get The Best Insurance Claim Settlement

Obtaining The Best Insurance Claim settlement can be a difficult process and can potentially become a power struggle between your best interests and the insurer’s, often involving negotiations and private arbitration. Insurance companies are experts in their field when it comes to settlements and know exactly what to use to reduce pay-outs or even repudiate your insurance claim.

In order to obtain the best insurance claim settlement offer you need to know how to respond to a low offer and also to recognise that it is a low offer. So, how can you tell if you have received a low insurance claim settlement offer? Well, if it appears unreasonable, it probably is.

To get the best insurance claim settlement, one thing to keep in mind is that the insurance company always wants the settlement pay out to be the lowest amount legally required. They will never offer the most they are willing to pay straight away because they expect negotiations. Never accept their initial offer and make sure that your counter-offer is well documented.

How to Respond to a Low Settlement Offer to get Best Insurance Claim Settlement

An Insurance Claim Settlement offer may often fall short of the claimant's expectations. This is common but you should not be discouraged by it. Insurance companies negotiate settlement agreements every day, so it is usually hard to negotiate for your own best insurance claim settlement if you do not think their offer is reasonable.

For example, the Insurance Loss Adjuster could state that you did not act fast enough to secure your property in a weather related incident. The issue there is what actually caused the damage and wording in your policy may allow for one thing but not another to be covered. Remember that you should not have to reiterate any wording that is already present in your insurance policy.

First of all, you don’t have to accept their offer. You can respond by asking the Loss Adjuster to justify the offer. What you want them to explain is why exactly this amount? The adjuster should then tell you in detail how they arrived at the proposed settlement amount. This way to get the best Insurance Claim Settlement, you can properly address all the issues they bring up that make your claim weaker.

You can also then come back with a counter-offer which is well documented. Hiring a Loss Assessor can make a huge difference here because they will recognise a low offer and know exactly how to proceed. Loss Assessor will know the itemised extent of your damage and what the insurance company always counts on is that you do not know the value of your claim.

How to Maximize The Best Insurance Claim Settlement

 Whether your claim is for a fire, flood , theft or a burst pipe, the steps involved in making sure that what you finally receive is fair are similar. The key to the Best Insurance Claim Settlement is documentation. You need evidence such as photographs or surveillance videos that actually show the extent of the damage. It is very helpful to have a loss assessor detail the actual costs of your loss.

When it comes to property damage the insurer has two options: to repair damage and replace property or to settle the claim as a cash payment. If your insurance offers a cash settlement as an option, you should make sure you receive a settlement which accounts for the true cost of your losses. To receive the Best Insurance Claim Settlement offer you should have a very clear determination of all those costs.

According to Financial Mail hiring a Loss Assessor such as an Oakleafe Claims’s team of professionals can increase your settlement by as much as 40%. This is because you will have claim technicians and chartered surveyors on your side who know exactly how this process works and aren’t in any way bound by the insurance company’s bottom line.

The insurer will always look for common mistakes, such as failing to immediately protect the property from further damage to reduce your settlement. To receive the Best Insurance Claim Settlement offer you need someone who is on the look out to maximize it. Then you will be on your way to Obtain The Best Settlement from your Insurance Company.

How to Obtain Best Business Interruption Settlement

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When it comes to commercial claims receiving a fair settlement is even more difficult if business interruption occurs. This is when a business has to shut down or stop operations as a result of damage resulting in loss of sales. Since business interruption claims are subject to estimates of sales if the loss had not occurred, they cannot be exact, and any settlement is almost always the result of negotiation.

A Loss Assessor like Oakleafe Claims can accurately calculate the Loss of Profit and Increased Cost of Working in any business interruption claim and properly guide you through the entire process of receiving the Best Insurance Claim Settlement.

The best way to get a business interruption settlement is through private arbitration and insurance companies are expert negotiators. It helps to have someone in your corner who is equally skilled at negotiating. Sometimes just the fact that you hired a loss assessor can increase the settlement offer because the insurer knows that you are not at the negotiating table alone.

Don’t Let the Insurance Company Tell You What’s Best

Insurance companies are known to use less than fair tactics to pressure people into accepting their initial offer – because it’s the lowest one. This is what they always want because it works out best for them and they will often lead you to believe it is the best offer for you as a claimant. Don’t believe them and do not fall for their lines.

The only way to actually know the real cost of your loss is by hiring a loss assessor because the loss adjuster is employed by the insurer. Someone like an Oakleafe Claims professional will not be swayed by any insurer because they know the industry and also because they are not emotionally affected by the loss.

For instance, when it comes to insuring property most people have what’s called a policy of indemnity. Policies of indemnity refers to insuring buildings and their contents. This type of insurance is designed to restore the property to the condition it was before the loss or damage happened.

The insurer considers “the condition it was before the loss” in very broad terminology and what it means to them is the minimum required towards a similar condition. What it means to you as a claimant is very different – that is your home or business, your time and effort. You should receive everything you are entitled to and not just the bare minimum in case of loss.


Responding appropriately to a low offer and documenting your damage well to present a counter-offer is only half the battle. You also need your insurance company to agree that you deserve more. Most of the time it will be a compromise between their number and yours. The more evidence you have to support the amount you are asking for, the stronger the probability that your insurer will have to agree. Once they do always confirm in writing and keep records of all communication.

In summary, Obtaining The Best Insurance Claim Settlement from your Insurance Company can be a bit tricky but the steps outlined above can be of great help. If you keep in mind that what your insurer wants to pay is the minimum, if you properly document your loss and if you have a qualified Loss Assessor fighting for you, chances are much higher that you will receive the best settlement offer possible.


Fire Hazard! Failing Appliances On The Rise

Fire Hazard! Failing Appliances On The Rise

White goods appliances - mainly washing machines and tumble dryers - account for as many as 60 house fires a week in the UK alone according to Which? The number of fires has increased each year for five years. Which? wants the authorities to tackle the issue of fire damaged properties due to appliance failure

Insurance Claims, What should I do? FAQ

Insurance Claims, What should I do? FAQ

I just had a Fire or a Flood and I need to Claim, What should I do? The very first thing you need to do is to engage a Loss Assessor. It is your responsibility to mitigate any damage and prevent it from spreading. Insurance Loss Assessors have vast experience in Insurance Claims Management 

Characteristics of fires

Characteristics of fires

The Dangers of Smoke Residue The fire triangle- Fuel, Oxygen and Heat. In laboratory conditions these 3 elements balanced result in complete combustion. In the real world of Fire insurance claims , the unequal balance of the 3 elements result in smoke residue (soot) being produced to some degree.

Cyber Liability Insurance Claim on the rise

Cyber Liability Insurance Claim on the rise

Cyber Crime A relatively recent number of claims are appearing and in ever increasing numbers relating to cybercrime. Information technology is prevalent in both our personal and working environments, and we rely on the use of computers and the web to store data every single day.

What Is Business interruption?


Business Interruption is largely missed by most policyholders if you don’t ask for it to be on your insurance policy. That’s usually due to business owners believing that other insurances such as buildings and contents policies will take care of everything if their operations are interrupted by events such as Burglary Damage, Impact Damage, fire insurance claims, building insurance claims.

So what is Business Interruption?

Business Interruption Insurance covers additional costs of working and financial losses that are as a result of an Insured incident. E.g. Fire or flood. The policy will reimburse for the additional cost over and above your normal day to day expenditure such as staff costs and loss of revenue E.g. loss of profit, or loss of revenue depending on the level of cover you have bought.

Why is Business interruption Important?

Business interruption looks forwards not backwards so quite often a BI claim runs for several years as the financial loss to a business continues long after it reopens. You may also have other costs such as marketing and advertising that are needed to get customers back on board. These are all taken into account with Business Interruption.

A good Loss Assessor will be able to help calculate this. Remember Loss assessors work for you and Loss adjusters represent the insurance company. Any claim where there is BI will usually need the assistance of an insurance claim management company or specialist.

Those policies will usually put the damage right, but they make no allowance for the resulting financial loss to your business. For all businesses, the lack of business interruption cover can often lead to a business termination! There are many causes of business interruption. No one ever expects these disasters to occur to their business so when they do they usually expect other policies to cover all of their losses.

When is Business Interruption Useful?

Let’s talk about an example where a pipe burst in a business. Yes, the stock and plant or machinery can be replaced, as can computers or other materials. However, a soaking wet building could need a few months to dry out.

We have seen some badly flooded buildings take more than six months to be usable again. Imagine if the equipment has a long order lead time – some bespoke machinery can sometimes take just as long to replace.

If you cannot trade in the interim, you will lose income, use all your reserves up and possibly run out of money. You may lose experienced staff as well as valuable customers. Customers are fickle they will go down the road if you are unable to meet their needs.

Loss Assessors experts in Business Interruption

Insurance claims management is an art. A Loss Assessor is an Independent entity hired and paid by the insured (policy holder) to negotiate, prepare & present an insurance claim with the insurance company and loss adjuster (insurance company).

The Loss Assessor receives a fee that is usually a percentage of the claim amount received by the insured but on average gets a policy holder far more than they would do themselves.

According to the Times, engaging a Loss Assessor gets you about 30 – 40% more than you could on your own merits. At the end of the day you are entitled to what the policy caters for, even though this is often not what insurers offer you.


An Insured Incident can have a big effect on the day to day operation of your company which can cause severe financial problems. A loss assessor can arrange interim payments from your Insurers which will enable your company to continue trading during such a difficult time.


Making An Insurance Claim: Loss Assessor

Making An Insurance Claim: Loss Assessor

If this is your first time making an Insurance Claim. You might not be sure where to start, or the process of starting an Insurance Claim might seem very daunting. It is always good to know what options you have available so the Insurance Claim can run more smoothly without any problems.

Importance of Independent Insurance Professionals

Importance of Independent Insurance Professionals

Are you having problems with your Insurance Claim When you inform your insurance company that you need to make a claim the first thing they will do is appoint a loss adjuster from their panel to protect their interests. What is a Loss Adjuster? 

7 Things to do when Making An Insurance Claim

7 Things to do when Making An Insurance Claim

Having to experience an incident such as water, fire or theft damage can be extremely frightening. On top of that, you begin to worry about the long daunting process of making an Insurance claim. By following this list, you would have a better understanding of how an insurance claim is handled.

WannaCry Ransomware push Cyber Insurance Claims

WannaCry Ransomware push Cyber Insurance Claims

Ransomware: WannaCry Ransomware are particularly nasty viruses that infect computers over the network and lock your personal data. Afterwards they demand a ransom fee to unlock all your data usually by the cryptocurrency "bitcoin". The biggest Ransomware attack just occurred in the begging of this month.