The fire broke out on 10th November 2010, and took four days and the work of over 100 firefighters to completely put out.
Alva
The fire broke out on 10th November 2010, and took four days and the work of over 100 firefighters to completely put out, at which point the building and stock had been completely destroyed, and the plant left inoperable through smoke damage.
While the emergency services worked on the fire, we put together a team to handle the insurance claim. We examined their recovery impact plan and helped the client mitigate their losses, looking at all the options. Our focus was on the claim quantum and getting the business running again as soon as possible, in order to protect their reputation. With this aim in mind, our experts assisted them in transferring pricing issues between the sister and Scottish company, and in speedily replacing the printing presses.
We secured interim payments that allowed the client to retain their entire customer base and to maintain their status as market leaders. They were able to rent printing facilities in Cumbria while transferring some of their production and UK workforce to the sister company in Germany, and subcontracting other work to a Swiss firm.
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.
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