|
|
|
|
|
|
|
|
|
 |
Frequently Asked Questions Taking the pain out of making a claim 2: What is a Loss Adjuster?
3: Are Loss Assessors connected with insurance companies? 4: Can my Insurance Broker not handle my claim for me? 5: How will Phoenix Claims Consultants deal with my claim? 6: In the event of a loss what steps should I take? 7: Can I prepare the claim on my own? 8: How much does it cost to engage Phoenix Claims Consultants? 9: What if I am unsure whether my policy covers the loss or damage? 10: What type of loss or damage do insurance policies cover? 1: What is a Loss Assessor? A loss assessor is a claims professional working exclusively for the general public or business owners by assisting them in preparing, filing, & negotiating fair & reasonable settlement of insurance claims. He / she has expert knowledge in handling claims and takes care of all necessary particulars, pricing, documentation & proofs required to conclude a claim. 2 : What is a Loss Adjuster? A loss adjuster is a claims professional working exclusively for insurance companies vetting claims. They are paid for by the insurance company to investigate policy cover & assess the amount payable. They must strike a balance between your interests and those of the insurance company whom their loyalties lie with. 3: Are Loss Assessors connected with insurance companies? No. They are engaged exclusively by the policyholder bringing claims and do not work for insurance companies. 4: Can my Insurance Broker not handle my claim for me? A broker is well trained in determining your insurance needs and finding the most suitable policy cover for you. 5: How will Phoenix Claims Consultants deal with your claim? We will respond immediately upon being notified of a loss, survey the damage, price up the cost of repairs, meet with and show insurers the damage, and negotiate fair & reasonable settlement terms with your insurance company reflecting the cost of remedial works necessary, or in the case of a theft the cost of replacing the stolen articles. 6: In the event of a loss what steps should I take? For advice on how to go about making an insurance claim you should contact us first. If you engage us we will report the matter to insurers on your behalf. Otherwise the loss should be reported to your insurance broker or directly to your insurance company as soon as possible. 7: Can I prepare the claim on my own? Yes but the typical insurance policy contains many provisions, complex details, and technical language / jargon about requirements & complicated procedures you must adhere to in the event of a loss. It stands to reason that assessors with years of experience professionally handling & preparing claims can do it more competently & efficiently. 8: How much does it cost to engage Phoenix Claims Consultants? Our fee for handling your claim is a percentage of the amount your claim settles for. It starts at 8% plus Vat @ 21% and is on a downward sliding scale for major losses with no hidden charges. 9: What if I am unsure whether my policy covers the loss or damage? We will give you straight up advice on policy cover and if we consider a claim will not be accepted by insurers. If we deem an inspection of the damage is needed to determine the validity of making a claim, we will do so without charge in the event that the loss falls outside of policy cover. 10: What type of loss or damage do insurance policies cover? That depends on the wording contained in your insurance policy. In the main home insurance policies cover loss or damage caused by :
|
Frequently Asked Questions 
This stream burst its banks flooding the adjoining house |