Quantifying a claim covering goods lost or damaged in transit requires specialist knowledge to get the most from your coverage. Individuals tackling this alone face a time-consuming and complex process that distracts from more pressing tasks, such as communicating with clients and running your business. Without our expertise, it’s possible that you could spend a lot of time and effort on the paperwork, but might still miss out on the compensation you’re entitled to.
Harris Balcombe are renowned throughout the claims management industry for our proficiency in handling all types of disasters. During our 140 years’ experience, we have worked on countless marine cargo insurance claims, bringing each of our clients the settlement they deserve.
When you file a claim with your insurers, they will appoint a firm of loss adjusters to investigate on their behalf. This is not an independent party, and will not operate primarily with your best interests in mind. They will scrutinise your policy and look into the incident in order to prove you have not complied with the terms and conditions, thereby minimising the amount of compensation your insurance company have to pay you.
By employing us, you not only get the benefit of our experience and expertise, but also a voice to fight for your interests throughout the whole process. From the moment you employ us, we move quickly to establish a clear timescale, determining whether the loss occurred during transit or after the goods arrived at the intended destination, and working to prove that you have met the post loss requirements.
We examine the wording of specialist terms in your policy, such as institute cargo clauses, and make sure your insurers accept liability quickly, enabling you to claim interim payments while the case is ongoing. Our chartered accountants will examine your business interruption policy, highlighting terms the adjusters might ignore, so that you are fully aware of all your options.
The Harris Balcombe team help restore your business to the same state it was in before the incident, if not better, so you can move on from your loss as smoothly and speedily as possible.