When you make a Business Fire Insurance Claim
If your business suffers from a fire, the usual consequences include stifling trade and risking future operations. We have specialists in Commercial Fire Claims who can take the stress out of dealing with your Insurance Company. We will get the best settlement as quickly as possible, to allow you to focus on running your business.
Your Insurer after you make a Business Fire Insurance Claim
When you call Insurers, a Loss Adjuster will be appointed by them to investigate the claim. Remember the Loss Adjuster is not independent, they are retained by the Insurance Company to look after their interests and minimise any payout. They will try to repudiate the claim if they feel you have not met the conditions of your policy.
They may argue that you are under-insured, applying techniques to significantly reduce your claim value. Insurers also usually appoint Forensic Scientist teams to aid their quest of repudiating (not paying) a claim. In fact all the third party “specialists” employed to investigate your claim are not truly independent parties- they are engaged and paid by the Insurance Company.
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 Fire 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.