A break-in or theft at your business can make you feel vulnerable, frustrated and uncertain of what to do next, particularly when insurers and their loss adjusters attempt to paint you as the guilty party. We step in to handle your insurance claim on your behalf, making sure you get a fair deal.
What happens when you claim
Once you have notified your insurers of the theft, they will appoint a firm of loss adjusters to check that you have complied with your policy and are adequately insured. This company represents the interests of the insurance company: they are not independent. If they believe that you have not complied with all the conditions, they will try to repudiate your claim, and may draw on the under-insurance clause to minimise the amount of compensation you receive. Certain insurers and loss adjusters will also hire ex-policemen to interrogate policyholders, and forensic accountants to scrutinise your records, making a stressful situation even worse.
Why use us
Unlike other parties involved in the claims process, the Harris Balcombe team represents your interests, negotiating with the insurance company and their adjusters to get you the payments you need. We make sure your insurers accept liability quickly, and that you are not treated like a criminal. While other insurance claim consultants rely on external parties, we have in-house experts with unparalleled experience in commercial theft claims working on your case. Our involvement makes a real difference to the amount of compensation you receive, with our chartered accountants ensuring you get the best possible deal on your business interruption claim, allowing you to get back to normal as soon as possible.
What we do for you
- Organise emergency works to secure your property.
- Prepare, present and negotiate your claim.
- Co-ordinate your insurer and their loss adjusters, making sure you get the settlement that you are entitled to, whether that’s reinstatement or cash.
- Scrutinise your policy wording, and advise you on any issues relating to compliance with warranties and conditions that may affect liability.
- Make sure insurers accept liability as quickly as possible, so that you can receive immediate interim payments to maintain your cash flow.
- Get the most from your business interruption cover by advising on items that adjusters might not point out, including retrospective discounting and promotional activity.
- Demonstrate the economic viability of ‘increased costs of working’ coverage.
Get in touch
To find out more about what we can do for you, contact us now for a free consultation. Send us an email with your name, preferred contact details and basic information about your case, or call our 24/7 consultation hotline on 0844 544 1699.