When a claim happensFAQs
How a claim is reported, what a loss adjuster does, and your options if you disagree with the payout.
It's the professional who assesses the extent and cost of a loss so the insurer can determine the payout. They may be appointed by the insurer; in certain cases, the company can also bring in its own loss adjuster to review that assessment.
A rejection must be justified, stating which policy condition it's based on. Not every rejection is wrong, but it shouldn't be accepted either without checking what the policy wording actually says: sometimes the reason for the rejection can be reviewed or clarified. If you took out the policy through an intermediary, they'll help you better understand the reasons for the rejection, or push for what was agreed in the policy to be honoured if there's a dispute based on their professional judgement.
It's the maximum period you have to claim against the insurer after a loss. It varies depending on the type of insurance, so it's worth not letting time pass before reporting a claim or starting the process.
Report it as soon as possible and provide all the information available: what happened, when, where, what damage exists and which third parties may be affected. Photos, invoices, estimates, claims or reports may be relevant depending on the case. Avoid admitting liability or settling with third parties before the situation has been reviewed.
Yes. Our team can help report the claim, organise the documentation, follow up on the file and pass on queries or arguments to the insurer. The insurer is the one who determines coverage and, where applicable, the payout under the policy, but we support the client throughout the process.
Not necessarily. You can rely on InsurCEO to channel the management and follow-up of the file. In certain claims, the insured may need to provide information directly to loss adjusters, repairers, lawyers or other professionals appointed by the company.
It depends on the type of insurance and the reason for the disagreement. We can help you review the calculation, the documentation and the applicable terms, and raise the relevant query or claim with the insurer. If the dispute requires independent legal or expert action, we'll assess the available next steps together with you.
The more specific your situation, the more important it is to review it with our team before making a decision.