Claims procedure

The Insurance company and their Loss Adjusters are experts at dealing with claims effectively. It is important to remember that the Loss Adjuster appointed to deal with your claim is ultimately working for the Insurance company. They will try and make sure that the claim is settled fairly, but will always be trying to minimise the costs that the Insurance Company has to pay out under your claim.

However, your Insurance Assessor will help you to maximise your entitlement when getting a settlement on your Insurance claim. They will help to ensure that you receive every penny that you are entitled to under the policy. Insurance Loss Assessors know how Insurance policies work and can help you be more effective with your time when it comes to making an Insurance claim. An experienced loss assessor will be much more effective in negotiating your legal and contractual entitlement as they deal with claims on a daily basis.

Hensure Business Insurance Consultants have teamed up with an established loss assessor and for a small additional fee on top of our insurance premium can offer you the following services:

• General Risk Management advice on any business situation from which a potential claim to your insurers may arise.
• Telephone assistance immediately after an incident occurs that could give rise to a property or liability claim.
• Immediate advice on evidence gathering to defend liability claims against you successfully – including those within the policy excess.
• Practical help in compiling and presenting all claims.
• For property and business interruption claims over £5,000 in value, a professionally qualified chartered loss adjuster will be personally assigned to prepare your claim and negotiate on your behalf.
• Your loss assessor will act solely for you and be available to attend your premises within 48 hours to discuss the claim and represent you at meetings with the insurer’s representatives.
• Your loss assessor will give you advice relating to measures necessary or advisable to secure and make premises safe, to mitigate the loss, to salvage partially or undamaged goods and to minimise the disruption to you and your business.
• Your loss assessor will prepare and present your evidence that verifies the loss. He will also liaise with your accounts to prepare and quantify the business interruption claim.
• Access to a legal telephone hotline for free advice on insurance claims, employment and general litigation matters. Solicitors are available, if the need arises, to give this specialist advice at no charge.