Mapco Group are Scotland’s leading dehydration and surplus food management business, supplying fish products globally.
Peterhead
Mapco Group are Scotland’s leading dehydration and surplus food management business, supplying fish products globally. They run the country’s largest dehumidification plant from Peterhead, a fishing port in the north east, which allows them to land, process and export fish quickly. On the 15th December 2012, a storm destroyed the seawall and battered the Mapco facility, washing away most of the site.
As Mapco is one of Peterhead’s largest employers, it was more than just the business owners who were affected by the loss. In order to avoid a complex and lengthy reinstatement program and a long period of closure, Harris Balcombe quantified, presented and negotiated a commercial agreement between the company and insurers on the owners’ behalf.
The company was able to reinstate in a new and improved form, and continues to thrive.
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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