Quantifying a claim covering goods lost or damaged in transit requires specialist knowledge to get the most from your coverage. Individuals tackling this alone face a time-consuming and complex process that distracts from more pressing tasks, such as communicating with clients and running your business. Without our expertise, it’s possible that you could spend a lot of time and effort on the paperwork, but might still miss out on the compensation you’re entitled to.
Harris Balcombe are renowned throughout the claims management industry for our proficiency in handling all types of disasters. During our 140 years’ experience, we have worked on countless marine cargo insurance claims, bringing each of our clients the settlement they deserve.
When you file a claim with your insurers, they will appoint a firm of loss adjusters to investigate on their behalf. This is not an independent party, and will not operate primarily with your best interests in mind. They will scrutinise your policy and look into the incident in order to prove you have not complied with the terms and conditions, thereby minimising the amount of compensation your insurance company have to pay you.
By employing us, you not only get the benefit of our experience and expertise, but also a voice to fight for your interests throughout the whole process. From the moment you employ us, we move quickly to establish a clear timescale, determining whether the loss occurred during transit or after the goods arrived at the intended destination, and working to prove that you have met the post loss requirements.
We examine the wording of specialist terms in your policy, such as institute cargo clauses, and make sure your insurers accept liability quickly, enabling you to claim interim payments while the case is ongoing. Our chartered accountants will examine your business interruption policy, highlighting terms the adjusters might ignore, so that you are fully aware of all your options.
The Harris Balcombe team help restore your business to the same state it was in before the incident, if not better, so you can move on from your loss as smoothly and speedily as possible.
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 ...