Storms and hurricanes typically result in minimal structural damage to properties, often involving the displacement of fences and dislodged roof tiles. In the rare occurrence that a storm inflicts significant structural damage on your leased property, your insurer may assign a Loss Adjuster to manage your insurance claim. In such a scenario, seeking the expertise of a seasoned Loss Assessor, like those at Harris Balcombe, is a judicious and invaluable step.
In the immediate aftermath of a storm-induced property damage, your primary concern is to proactively prevent any further harm. This may involve addressing issues such as water ingress resulting from a compromised roof. As a property owner, you possess the right to initiate emergency measures, such as enlisting a local builder to promptly install temporary tarpaulin over the roof. Notably, these emergency works fall within your entitlement and are comprehensively covered by your insurance. Harris Balcombe stands ready to guide you through this process, ensuring a swift and meticulous resolution to safeguard and restore your property.
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 ...