When a major loss such as a fire occurs, insurers will appoint a Loss Adjuster to act on their behalf to gather all the necessary information and to negotiate settlement for them. It is your responsibility to prepare the claim and to ensure that you claim for everything you are entitled to. This requires a huge amount of time and effort and many people end up engaging their own Loss Adjuster to work on their behalf. The fee for this work can often be 10% of the claim value.
We can arrange cover through a company called Lorega for a qualified Loss Adjuster to be immediately appointed on your behalf in the event of a loss. He or she will protect your interests, remove the burden of many hours preparing the claim and negotiate the best settlement with insurers. Having the services of a professional loss adjuster on your side enables you to get on with running your business and minimise the effects of the disruption. Please note this cover applies only to losses over £5000 on premises in the UK and does not include Road Risks or Liability Claims.
The cost of this is relatively modest and we feel that it is such a valuable service that we are offering it to clients at the net premium charged by insurers (i.e. the cost price to us).
Of course we will provide a quotation at the next renewal of your policy but if you want to consider this before then please let us know.