The fire started in the early hours of Sunday 10th February 2013, when the machinery overheated.
Lincolnshire
The fire started in the early hours of Sunday 10th February 2013, when the machinery overheated during production, causing significant damage to the gigs and printing rolls.
Shortly before the incident, the company had purchased a second-hand print ink machine to enable them to increase their volume of work to meet a surge in demand. At the time of the acquisition, their brokers arranged insurance that cost just a little more than the machine itself. However, since this was a reinstatement rather than an indemnity policy, it soon became evident to our experts that the coverage was inadequate. This led to negotiations with the insurers and their representatives over the most economical way to settle the claim.
The efficient response from all parties meant the company was able to recover quickly, and to retain the majority of their customers. The claimant was keen to replace the equipment with a like-for-like dual purpose printing machine, eventually purchasing a model from Sicily with a more modern design that allowed for quicker printing. Thanks to this, they are now able to produce even more than before the time of the incident.
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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