When you make a Business Impact Damage Insurance Claim
Impact damage can cause significant disruption to your business. The consequences to a property can be dramatic and the damage extensive. The security of your premises and employees are paramount in these circumstances. Insurers can be slow to react.
Your Insurer after you make a Business Impact Damage Claim
Let us oversee the claim so you can concentrate on your business and employees. We will attend all meetings with the Insurance Company or their appointed Loss Adjusters on your behalf to ensure you receive your full entitlement for all repair and restoration works. We will engage Chartered Surveyors and Structural Engineers working for you to ensure your property is returned to pre-incident. We can even engage contractors and oversee the works.
We can save you the hassle and stress of an added burden you could do without. We will prepare, present and negotiate your claim for you whilst at the same time ensuring your working environment can operate as efficiently as possible. You are no doubt a good negotiator but are you an expert in insurance?
Your Insurer after you make a Business Impact Claim
The Insurance Company will apply many different techniques to try to reduce your claim or even refuse to pay out. Your policy will be worded generically in a fashion that often suits them. As Insurance Claims Management specialists, often known as Loss Assessors, we will handle all meetings and technical interpretations of your policy to ensure you receive your full entitlement.
Property Insurance Claims require several disciplines to comprehensively present the claim in a format that instantly recognisable to your Insurance Company. Our Surveyors are Chartered members of RICS or CIOB & our Structural Engineers are affiliated on a similar basis and deal only in Insurance related claims.
The specifications produced by these specialists are then costed by a Chartered Building Company & compiled by our experienced Claims Technicians for consideration of settlement by your Insurers. You approve every stage of this process including draft documents & settlement proposals for Impact Damage.
We are the ONLY party in the whole process that will be working for you and looking after YOUR interests.
Business Insurance Claims Handling On Your Side
We are the ONLY party in the claim on your side. We act exclusively in your interests, to ensure you receive everything you are entitled to under your policy. We have an extremely experienced team, many of whom used to work for Insurers who use their intimate knowledge of their processes to hasten your claim.
Whether assisting with presenting the claim to Insurers for fire or smoke damage, engaging Surveyors and Structural Engineers on your behalf, or overseeing the building works we can handle the entire process.
As well as your Building Insurance Claims, our Loss Assessors will quantify your material, stock and contents losses & our Chartered Surveyors will scope the damage to the building. Business Interruption and Increased Costs of Working(ICOWs) are negotiated to ensure you are returned to pre-loss growth track.
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How we can help for Business Impact Damage Insurance Claims
Make your property safe and mitigate any additional damage.
Collate the required information and negotiate your entire claim including including but not limited to Reinstatement Works, Stock or Content Losses & Business Interruption.
Oversee all parties including Insurers Loss Adjusters and their Specialists
Interpret your policy, its wording and any conflicts relating to compliance with its conditions
Push Insurers to accept liability as quickly as possible, in order to obtain Interim Payments to help you maintain your business operations.
Maximise your entitlement of Business Interruption cover and justify any Increased Costs of Working.
Survey the property to identify any defects not visible to the naked eye to protect your long term investment.
Aid with specialist appointments should assistance be required in complex situations such as your own forensic scientists.