Experiencing damage to your property, whether domestic or commercial, due to a fire, flood, theft, or any other unexpected event, can be utterly devastating. Beyond the emotional toll, the inconvenience can lead to substantial financial strain, especially when you consider potential loss of rental income during the claims and repair process.
Dealing with damage to your property can be equally distressing, with potential repercussions extending to property devaluation, financial stress, and tenant-related concerns. From property and equipment damage to the uncertainty of lease renewals and repair expenses, the challenges are multifaceted.
To fully grasp the extent of the damage to your property and ensure it is safe to move into once again, specialised knowledge and expertise are essential. At Harris Balcombe, we understand the intricacies of these situations and are here to help you through the complex claims process, from beginning to end.
If you've ever had to deal with an insurance claim for your property, you'll appreciate the extra work and costs it involves, as it can take months to resolve. The longer your tenants are not able to live there, the longer you're losing out on rental income.
As experienced loss assessors, we are confident in uncovering all the damages to your property and presenting a thorough investigation and claim to your insurers on your behalf in order to prevent further damage and issues down the line. In addition, we will meet with you to understand your circumstances and help you from the get-go with your claim and be on hand to answer any questions you have.
The team at Harris Balcombe have unrivalled, extensive experience managing insurance claims on behalf of landlords following any ruination. We will take this extra burden from you and liaise with the Insurance Company from beginning to end.
We will ensure you receive the best possible settlement from your insurance company and in a timely manner. This includes everything from ensuring the full damage is uncovered in order to safeguard the value of your property now and in the future, to handling all negotiations with your insurers, and helping to restore your property as efficiently as possible, so you're able to re-let to tenants as soon as possible.
Additionally, we’ll liaise with your tenants and agree to the loss of rent / rehousing costs and the insurers directly. We can appoint all the necessary contractors and project manage all the emergency repairs and restoration at competitive prices to get you back on track.
By appointing Harris Balcombe to manage your loss of rent claim, you will have peace of mind knowing we are looking after the value in your asset throughout.
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 ...