December 4th 2018

New claims consultancy launched for clients

Every year, homes and businesses are affected by the disruption caused from a wide range of events including major losses linked to fires and flooding etc. If the worst should happen, your insurance company are likely to appoint their own loss adjuster or other specialists to act on their behalf.

So we think you might need some help:

  • Would you know what to do and how to prepare and negotiate a major, complex or difficult claim?
  • How would you get back to normal quickly and minimise any disruption to your home or business?
  • If you needed help, how would you fund the cost of obtaining professional loss adjusting expertise?
  • Would you know how to quickly engage your own claims experts to act directly on your behalf?

Well, thankfully, we have made things easier for all our clients and have teamed up with the experts at CEC Claims who provide us with a market leading claims consultancy for policyholders. The CEC Bronze level provides 5 hours of claims support with access to your own Chartered loss adjuster who will provide remote telephone assistance. As well as the complimentary Bronze level of service, you may need additional support so, with this in mind, we are able to offer enhanced levels of service as set out in the product table below:

SERVICE LEVEL PRODUCT FEATURES PRODUCT COST POST LOSS FEE % POST LOSS FEE
Bronze 5 hours telephone claims assistance Complimentary Maximum 7% of claims settlement Optional
Silver 10 hours loss adjusting support (includes 1 site visit) £65.00 Maximum 5% of claims settlement Optional
Gold 30 hours loss adjusting support £200.00 Maximum 3% of claims settlement Optional
Platinum Unlimited loss adjusting support £650.00 Maximum 1% of claims settlement Payable by you in the event of a claim

The benefits:

  • Immediate response – we are always here for our clients and, once we are told about your claim, we will arrange a loss adjuster visit within 24 hours
  • Rapid settlement – your loss adjuster will liaise with the insurance company or their loss adjuster to minimise the length of your claim and any period of disruption
  • Fair outcome – your loss adjuster will negotiate the best possible outcome for you under the terms of your insurance policy

What will your loss adjuster do?

  • Contact you within 1 hour of notification by us
  • Visit you within 24 hours to discuss your claim or at a time requested by you
  • Attend joint meetings with your insurer’s representative to conclude any enquiries
  • Provide contractor approval to make your premises safe with costs initially paid by you
  • Advise you on how to mitigate your loss
  • Provide guidelines on any salvage arrangements
  • Explain how to minimise any disruption
  • Appoint specialists if needed such as engineers or contractors etc
  • Provide advice regarding alternative premises or increased cost of working
  • Assist with quantification of the overall loss
  • Present all evidence relating to your claim to the insurers
  • Negotiate settlement with the insurer’s own loss adjuster
  • Arrange interim payments where required
  • Resist any unjustified attempts by your insurers to repudiate a claim
  • Offer technical advice on all aspects of your claim

Important – the level of support you choose will determine which tasks the loss adjuster can undertake within the allocated hours provided by your selected product.