Insurance Claims
IF YOUR PROPERTY HAS SUFFERED FROM DAMAGE DUE TO AN “INSURED PERIL” – IE. FIRE, FLOOD, SUBSIDENCE, VEHICLE IMPACT, BURST PIPES ETC. YOU MAY NOT REALISE THAT YOUR BUILDINGS INSURANCE POLICY WILL GENERALLY COVER THE COST OF APPOINTING AN INDEPENDENT PROPERTY PROFESSIONAL TO SCHEDULE THE DAMAGE, ARRANGE CONTRACTORS AND OVERSEE THE WORK THROUGH TO COMPLETION. (PROFESSIONAL FEES SECTION OF BUILDING INSURANCE POLICY).
WHILST INSURANCE COMPANIES AND LOSS ADJUSTERS OFFER AN “IN-HOUSE” SERVICE TO UNDERTAKE THIS WORK, MANY OF OUR PAST CLIENTS HAVE EXPRESSED CONCERNS OVER THE LACK OF OBJECTIVITY AND OPENNESS IN SUCH IN-HOUSE SERVICES – AFTER ALL, THEY TELL US, THAT THEY ARE WORKING FOR AND BEING PAID DIRECTLY BY THE INSURANCE COMPANIES AND CONFLICTS OF INTEREST AND OBJECTIVITY CAN THEREFORE ARISE. THIS IS THE FEEDBACK WE HAVE HAD FROM CLIENTS WHO HAVE APPOINTED US AFTER THE CLAIM WAS INITIALLY DEALT WITH BY THEIR INSURANCE COMPANY OR APPOINTED FIRM OF LOSS ADJUSTERS.
WHAT BUILDING INSURERS OR INDEED LOSS ADJUSTERS APPOINTED BY THEM, SOMETIMES FAIL TO MAKE CLEAR IS THAT THERE IS A CHOICE FOR THE CLIENT AS TO WHETHER THEY PROCEED WITH THE “IN-HOUSE” SERVICE, OR WHETHER THEY ELECT TO APPOINT AN INDEPENDENT EXPERIENCED, PROFESSIONAL TO REPRESENT THEIR INTERESTS IN HAVING THE PROPERTY APPROPRIATELY REPAIRED. EITHER WAY, THE INSURANCE COMPANY IS GENERALLY LIABLE FOR AND MUST PAY THE FEES, WHICH ARE PART OF THE INSURANCE COVER FOR SUCH A SERVICE.
AS A PRACTICE, WE HAVE IN-DEPTH EXPERIENCE OF THE PROBLEMS THAT CAN ARISE IF A PROPERTY IS NOT THOROUGHLY DRIED OUT BEFORE REPAIRS COMMENCE (IE. DAMPNESS, DRY ROT, TIMBER DECAY ETC). TIM DAVIES HAS SPENT MANY YEARS IN THE PROFESSION DEALING WITH SUCH CLAIMS FOR INSURANCE AND LOSS ADJUSTERS. HE HAS THE EXPERIENCE AND EXPERTISE TO ADMINISTER SUCH CLAIMS INDEPENDENTLY.
WE ARE IDEALLY QUALIFIED TO ASSESS AND SCHEDULE THE REPAIRS; APPOINT CONTRACTORS AND SUPERVISE AT CLOSE HAND THE REPAIR WORKS THROUGH TO COMPLETION TO THE CLIENT’S SATISFACTION. WE CAN ALSO PROVIDE INITIAL INSURANCE VALUATIONS FOR VARIOUS PROPERTIES BASED ON AN ASSESSMENT OF THE VAR (VALUE AT RISK) OF THE SUBJECT PROPERTY.
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