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Navigating the Cost of Expertise: Harris Balcombe's Transparent Fee Structures

19th Jan 2024

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.

Option 1: Zero % Model - A Seamless Solution Without Direct Cost

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.

  • How does it work?

    • Management Fee from Contractors and Surveyors: Our approved network of professionals, including Chartered Surveyors and Insurance-approved contractors, compensate Harris Balcombe with a management fee. This fee is part of the overall claim process and is paid directly by the contractors and surveyors involved in your claim. It means that you, as the policyholder, have no direct financial responsibility for our services.

Option 2: Percentage of Claim Value - Flexibility for Your Unique Needs

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.

  • How does it work?

    • Fee Based on Claim Value Plus VAT: If you choose to use your contractors, our fees are based on a percentage of the value of the claim, plus VAT. This percentage is agreed upon in advance, providing transparency about the cost implications. Our goal is to align our fees with the success of your claim, ensuring that you pay based on the value of the settlement received.
    • Payable on All Claim Amounts: The fees under the Percentage of Claim Value model are payable on all amounts received by you or anyone on your behalf under the policy, third-party payments, or any other recovery process. This ensures that our interests are aligned with yours, emphasising our commitment to securing the best possible outcome for your claim.

Choosing the Right Option for You

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 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.

  • Over 5000
    Successful Claims
    As the UK’s leading insurance claims consultants, you can be confident you have the best team on your side
  • Best Assessors
    Unlike other parties involved in the claims process, you are our sole priority
  • Minimise Stress
    Keep stress to a minimum by managing all aspects of the claims process
  • Get your entitlement
    Get the compensation you are entitled to by negotiating with insurers on your behalf
  • Get your life back
    Get back to normal life as quickly as possible by organising any support you need


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 ...