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Understanding Fee Structures: Harris Balcombe's Approach to Compensation

19th Jan 2024

Navigating the complexities of an insurance claim can be a daunting task, especially when faced with uncertainties about fee structures. At Harris Balcombe, we believe in transparency and empowering our clients with clear information. One of the common questions we encounter is, "Do you take a percentage of my entitlement or settlement?"

In this blog post, we'll explore our fee options, shedding light on how our models cater to diverse needs and preferences.

Zero % Model

At Harris Balcombe, we recognise that every client's situation is unique. To accommodate various preferences and circumstances, we offer a Zero % Model for those who choose to utilise all of our support services to handle their domestic or commercial property claims. Under this model, our services can be delivered with no direct cost to you. Here's how it works:

  • No Direct Cost to You:
    With the Zero % Model, you won't have to worry about direct costs for our services. The insurance company covers the cost of contractors and surveyors as part of your claim. This means that you can benefit from our expertise without any financial burden on your end. The contractors and surveyors pay Harris Balcombe a management fee.
  • Insurance Company Pays Contractors and Surveyors:
    In this model, the insurance company directly covers the cost of contractors and surveyors engaged in your claim. This streamlined process ensures that you receive the support you need without having to manage the financial aspects independently.

    This fee structure is particularly appealing to clients seeking comprehensive assistance without the concern of additional out-of-pocket expenses.

Percentage of Claim Value Model

Alternatively, we understand that some clients may prefer to use their contractors or receive a cash settlement to reinstate their properties independently. In such cases, we offer the Percentage of Claim Value model, where our fees are based on a percentage of the value of the claim, plus VAT. Here's an overview of how this model operates:

  • Flexible Option for Clients:
    The Percentage of Claim Value model provides flexibility for clients who want to engage their contractors or handle property reinstatement themselves. This option accommodates those who prefer a hands-on approach to certain aspects of the claims process.
  • Fees Based on Claim Value:
    Our fees under this model are calculated as a percentage of the value of the claim. This includes amounts received by you or any representative on your behalf under the policy, third-party claims, or any other recovery processes.
  • Clear and Transparent Structure:
    We believe in maintaining a clear and transparent fee structure, ensuring that our clients understand the basis on which our fees are calculated. This clarity empowers clients to make informed decisions about their claims.

Paying a Loss Assessor

Even when faced with the prospect of paying for a loss assessor's services, the investment can often be a strategic decision with substantial returns. The expertise and advocacy that a loss assessor brings to the table can significantly outweigh the associated costs. Their thorough understanding of insurance policies, claims procedures, and negotiation tactics empowers policyholders to navigate the complex landscape of insurance claims with confidence.

A loss assessor acts as a dedicated advocate, ensuring that you receive fair compensation and that your rights are upheld throughout the process. In situations where disputes arise, their ability to negotiate with the insurance company on your behalf can be instrumental in achieving a favourable resolution.

The guidance and support provided by a loss assessor can ultimately result in a more streamlined and efficient claims process, minimising stress and maximising your entitlement, making the investment in their services a prudent choice for policyholders seeking optimal outcomes.

Informed Decisions for Optimal Outcomes

At Harris Balcombe, our commitment to transparency extends to our fee structures. Whether you opt for the Zero % Model, where the insurance company covers the costs of contractors and surveyors, or the Percentage of Claim Value model, which allows for flexibility and involvement in the claims process, our goal is to cater to your unique needs. We understand that each client's circumstances are distinct, and our diverse fee options reflect our dedication to providing personalised and accessible solutions.

If you have questions about our fee structures or need assistance with an insurance claim, don't hesitate to reach out to Harris Balcombe. We are here to guide you through the claims process, offering expertise, transparency, and support 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


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