About
Making a Claim - Business Insurance Information
About
Making a Claim
As
soon as you find out about any loss or damage to your assets, you
will need to report it to your insurance company. You need to note
as many details as possible about what happened and when.
You
will need to provide:
- estimates
for repairs
- the
cost of any emergency repairs that were carried out
- proof
of ownership and value of the items you are claiming for
- police
crime reference number, if your business has been the victim of
a crime
- any
damaged assets for inspection
If
you need to make emergency repairs, do so and advise your insurance
company. If possible get advice from your insurers before going
ahead, but it is very important that you prevent further damage
that might increase your insurance claim. For large or complicated
claims, the insurance company will sometimes employ a loss adjuster.
They inspect the damage and check claims for quantity, description
and pricing. Loss adjusters are impartial experts who advise both
the insurer and the policyholder.
They
can also advise you on:
- how
to improve your security and safety
- areas
of cover you might have overlooked
- repair
techniques and specialist companies who undertake this sort of
work
You
could employ a loss assessor who negotiates and settles the claim
on your behalf.
List
of Major Business Insurance Providers
OCIS
provide general insurance information, we urge you to consult the
General
Insurance Standards Council
before making any important decisions about your insurance. |
