When faced with the aftermath of unforeseen events and disasters, navigating the complex landscape of insurance claims is challenging enough without the added worry of associated costs. At Harris Balcombe, we recognise the importance of transparent and flexible fee structures, tailoring our services to meet the unique needs of our clients.
In this blog, we delve into the two distinct fee options we offer – the Zero % Model and the Percentage of Claim Value – ensuring that you can make informed decisions about your property claims management.
For those who prefer a seamless and worry-free claims process, our Zero % Model is designed to alleviate the financial burden typically associated with hiring a loss assessor. Under this model, if you opt to use all of Harris Balcombe's support services for your domestic, commercial or landlord property claim, you incur no direct costs. Instead, our approved Chartered Surveyors and Insurance-approved contractors pay us a management fee to oversee the claim on your behalf.
Understanding that some clients prefer more flexibility in choosing their contractors or handling cash settlements independently, Harris Balcombe offers the Percentage of Claim Value fee structure. This option allows clients to have greater control over the reinstatement process while still benefiting from our expertise in managing and maximising their claim.
Deciding on the most suitable fee structure depends on your unique circumstances, preferences, and the specific details of your property claim. The Zero % Model offers a hassle-free experience, with no direct costs to you, while the Percentage of Claim Value model provides flexibility for those who prefer more control over the reinstatement process.
At Harris Balcombe, our commitment is to provide transparent and client-centric solutions, ensuring that you receive the expert support needed during the challenging process of property claims. By offering these distinct fee structures, we aim to empower our clients to make informed decisions, knowing that their chosen option aligns with their priorities and preferences.
Whether it's a seamless, cost-free experience or the flexibility to utilise your own contractor, Harris Balcombe is here to support you every step of the way.
At this point, you would hope that your insurance company is there to help but unfortunately, this is not always the case. We have known families who have felt intimidated by insurers and have been treated as though they have done something wrong, or are in some way to blame for their situation.
How to respond to a Loss Adjuster
Why they ask
This is to compare your version of events against your policy coverage and timelines.
Smart answer
Always stick to the facts. Avoid speculation or emotional exaggeration.
With a loss assessor
A loss assessor will help you structure your account clearly so you don’t over- or under-share.
How to respond to a Loss Adjuster
Why they ask
They’re basically verifying if the event falls within your coverage period.
Smart answer
Be as specific as possible with the date and time.
Avoid
'I think it was last week sometime...'
Tip
A loss assessor will ensure that this matches other documentation, like alarm logs or photos.
How to respond to a Loss Adjuster
Why they ask
They want to confirm the circumstances and establish liability or negligence.
Smart answer
Answer honestly and clearly, and mention if others were present.
Tip
If others witnessed the event, a loss assessor may advise collecting statements from them to bolster your claim.
How to respond to a Loss Adjuster
Why they ask
They want to validate the items you’re claiming for.
Smart answer
Where possible, provide receipts, invoices, photos or warranty documents.
No receipts?
No stress, a loss assessor may be able to help you establish the value using alternative methods.
Hassle free, no obligations is how we operate. So if you’d like to speak to us call our 24/7 Helpline on 03300229179 or email us at info@harrisbalcombe.com. Or simply click the button below ...