I got a phone call from my brother telling us that the ceiling had collapsed in our flat in London.
When we went to see it, it was horrific — just disgusting. There was a huge hole in the ceiling, water trickling down, and it had ruined the curtains, the carpet, and a lot of my furniture.
We were in total shock. It was impossible for us to live there. The builders said it was too dangerous to stay in the rest of the flat.
We were introduced to Harris Balcombe by our solicitor and met Alex Balcombe, who was really nice — and has actually become a very good friend. They immediately took everything out of our hands. They dealt with the insurance company, the builders, and everyone who had been giving us trouble. They were so kind and helpful.
Alex was always there whenever we called, because there were still a lot of issues with the insurance company.
I would recommend Harris Balcombe to anyone who’s having problems with insurance, flooding, or anything to do with housing. They’re wonderful — really caring, kind, and lovely. And Alex, in particular — we love him, he’s like one of the family.
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 ...