No amount of preparation can help you deal with the devastation caused by a disaster affecting your business and dealing with insurers simply adds to the stress.
Getting insurers to pay out can be a slow and frustrating process that can sometimes leave claimants feeling more like criminals than victims. When you make a claim, your insurers will appoint a team of loss adjusters who will scrutinise your circumstances to find a reason to pay you as little as possible.They will work with a team of professionals, such as forensic scientists and forensic accountants, to check you were adequately insured and meet all the conditions of your policy. This may even result in your claim being repudiated.
Many of our clients choose to work with us because we:
As the UK’s most experienced insurance claims consultants, we are used to helping clients get their business back up and running with minimal disruption.
As soon as you contact us, our award winning team will:
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 ...