FREQUENTLY ASKED QUESTIONS

Q Will appointing you prejudice my claim or my relationship with my insurers or brokers?

A No. An honourable insurer will recognise your right to be represented in matters with which you are not familiar; and we frequently save loss adjusters considerable time and effort in obtaining the information they require to complete their enquiries. Your insurance broker’s primary concern will be that the claim is professionally and efficiently processed by all those involved.

Q Will appointing you save me time and money?

A If you are running a business your time is always best spent on getting on with that business. We will, in effect, become the part of your management team which handles the insurance claim, advises you on mitigation, and assists your decision-making, having regard to the changed circumstances arising from the claim incident. If your home is damaged, your prior commitments will not necessarily have changed, and your time after an incident, is, if anything, more pressured. We try to relieve your stress and responsibility, and free up your time for getting your life back to normality.

Insurance claims have been our business for over 160 years. Our skilled experience will invariably achieve a more successful result than would a lay policyholder acting for themselves; and in a shorter space of time. We aim always to provide value for money.

Q Can I claim the cost of your services from my insurance company?

A Unless there is a specific provision in your policy to pay Loss Assessors
Fees, which provision is rare, insurers usually regard Loss Assessors Fees as costs incurred in claim preparation, and which are uninsured. Many policies specifically exclude such costs.

Q What happens if my claim is rejected?

A If your claim has been rejected before you came to us, we will consider the merits of your case, taking account of the policy cover, the circumstances of the event itself, and the alleged grounds of rejection. If we believe we can help you, we will quote you fees for taking the matter on, though if we cannot help we shall try to refer you to others who may be able to assist.

If, after we have taken your case, the claim is rejected, we will explain your options, and provide our opinion as to the prospects of success in appealing the decision. Normally, we will pursue the complaints or quasi-judicial appeals processes available through to conclusion; though in certain circumstances we may need to review the basis upon which we continue to act for you.

Q Will I have to deal with the insurers or their representatives after I have instructed you?

A You may be needed to attend certain meetings and interviews, but for the most part we shall handle all communications and co-ordination of your claim.

Q Will you agree a settlement on my behalf without my approval?

A Absolutely not. We will make settlement recommendations to you, and the final decision will be yours.

Q Will my name or any details personal to my claim be given to any party not legitimately involved in the claim?

A We respect your right to privacy, and confidentiality attaching to your affairs. Neither your name nor any of your information will be passed to third parties for marketing or other purposes.