Insurance Claim FAQ's

+ I need to claim, what am I required to do?

It is legally your responsibility to prepare and present the claim. You have a huge task ahead of you to collate and justify every item or element that forms part of the insurance claim. This is a critical and time consuming process - no matter what you believe nor what you have been told you are NOT insured at all until the insurer accepts liability for the claim. Only then can a claim progress. Without proper guidance this can be a minefield as you may unknowingly prejudice or severely affect your claim by simple words or actions to the insurance company.

+ What can I expect when I claim?

The insurer will appoint their own representatives to look after their interests. Their first job is to investigate the validity of the claim and check the technical content of your policy. They will concentrate on any warranties, exclusions or special requirements which are in the small print in order to reduce or repudiate (decline) the claim where possible.

+ Why do I need 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 and are able to handle all aspects of the claim including all communications with the Insurance Company. They would endeavour to get everything you are entitled to and take away the stress. They would help you notify the Insurance Company who would then send a Loss Adjuster to view and inspect the Incident. A Loss Assessor would be there for you every step of the way.

+ What will it cost me?

After liability has been accepted and the final report has been sent to the Insurance Company. It is often agreed between yourself and the Loss Assessor for a small feel for the Claims Handling Service. The fees are usually adsorbed many times over by the increase in settlement a Insurance Accessor can get for you. The percentage is determined on the size and complexity of the claims circumstances.

If you have a domestic property and appoint all our services to handle your entire claim there is no fee for what we do and our service is completely FREE. Click here to read more

+ How long will my claim take?

Every claim is unique and different in its own sense. The range of complexity can vary from claim to claim especially when dealing with a Business Claim which can lead to Business Interruption. Business Interruption is the process of analysing and calculating financial forecasting of a Business where it would be missing out on if the Loss would not have occurred.