When you make a Business Flood Insurance Claim
Even minor leaks and floods cause significant damage, hampering your business operations and adding to this the burden of dealing with your Insurance Company. Oakleafe can absorb the stress, meeting and negotiating with Loss Adjusters to make sure you get what you deserve. We will oversee contractors, decontamination and cleaning services leaving you to concentrate on your business.
Your Insurer After you make a Business Flood Insurance Claim
When you make an Insurance Claim, your Insurers will appoint a Loss Adjuster to look after their interests. Don’t be mistaken – they are not independent – they work on behalf of the Insurance Company to make sure they minimise the amount they have to pay. They will check that you have met the contractual obligations of your Insurance policy, and that the sums you are claiming for are adequately covered. If they believe that you have not met the terms of your policy, they will try to repudiate your claim.
In these circumstances the Adjuster will rely on under-insurance to significantly reduce the amount of money you are entitled to. In some cases insurers may appoint forensic scientists to investigate how it happened in an effort to give them evidence to void the the policy. Like every party employed by Insurers, they too are not independent, as ultimately their allegiance and pay is from the Insurance company.
Why Use Oakleafe Insurance Loss Assessors
We will take the lead on the situation so you have a say in how your business is dealt with, instead of how the Loss Adjuster thinks it should be. We have experienced Loss Assessors, many of whom were Ex-Loss Adjusters to manage Commercial Flood and Escape of Water Claims. They will quantify your stock, contents, plant and machinery and other material damages.
Our Chartered Surveyors will scope the building to ensure your property reinstatement meets modern and up-to-date regulations irrespective of the original construction. We will also prepare and present your Business Interruption claim to insurers so that your business continues to meet its growth expectations.
Business Flood Insurance Claims Handling On Your Side
Oakleafe are the only party who is there to look after your interests, negotiating settlements with the Insurance Company to get you what you’re entitled to. We push insurers to accept liability, and ensure that you are not treated like a criminal. We will make a real difference to the settlement you receive. You may be a good negotiator but are you an expert in Insurance? Let us handle the stress and challenge of negotiating your business interruption claim, allowing you to concentrate on running the 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.
How we can help for Business Flood Insurance Claims
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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.