Working with Homeowners
We assist homeowners in managing their claim on an independent basis.
Whilst we have worked with Insurers we have also been asked to assist the general public in managing their claim on an independent basis. As we have the experience and knowledge of what the Insurer requires we utilise this to assist the insured (policyholder) to make sure that their claim journey runs as smoothly as it can and making sure that they receive the correct settlement of their claim. As a RICS regulated practice we can work with you and your Insurer to manage the claim process and allow all parties independent professional assistance throughout the claim journey.
We understand that having to make an Insurance claim on your home means that you have damage to the most valuable asset you will ever own. This is both upsetting and confusing which is why we are engaged by homeowners to help them understand, value and manage their claim to give them the best possible conclusion their policy allows, whilst maintaining full contact with your insurer to meet their needs as well.
Did you know?
These costs are usually covered by your insurance company.
It is a little-known fact that your insurance policy for your home allows for you to choose your own professional surveyor, independent of your insurer to work with you and your insurer. These costs are usually covered by your insurance company within your policy payments. Your Insurer will still be very much part of all the decision making processes and we will work to meet their requirements whilst maintaining yours at all times.
Who will make the final decision?
Your Insurer will make all of the final decisions as it is their policy that you are claiming through. However, we will help you recognise what is covered, accurately assess, and professionally present your claim and liaise with your insurer (or their representative) to achieve the correct value of works needed to reinstate your home to its pre-loss condition.
Your insurer will ultimately make the decisions on the value but we will provide realistic and appropriate support to facilitate the optimum result.
It is important to understand that your insurers requirements must also be met and we will work with you and them to achieve this outcome. The value of your claim can be achieved by estimates from local or national contactors, a formal tender process or negotiating insurers own contractor price offers. Please remember, in most cases you have the choice of who carries out the work in your home.
This is subject to insurers agreeing the level of liability they will pay and your contractor working within these boundaries. Once your works are agreed we can administer the building contract between you and the contractor and finalise all the process to completion, if so desired.
Awards and Accreditation
