COMMERCIAL FIRE INSURANCE CLAIMS
Having a fire at your shop or office is, to say the least, a very traumatic experience. Fortunately, you’re well prepared. You have a solid insurance policy covering your livelihood against such eventualities. You’ve paid your premiums on time, year after year. That’s the good news. The bad news is that the ensuing insurance claim you’re about to make will more often than not be fraught with so many difficulties that the stress of the fire will appear a mere trifle by comparison.
Your insurance company will do everything they can to avoid paying you out your full entitlement. Salmon Assessors have successfully settled thousands of fire claims in the last 30 years, and no other firms of loss assessors are more qualified to help you through such a disaster.
At Salmon Assessors, we have dealt with thousands of commercial fire insurance claims over 30-years. We guarantee to get you every single penny you are entitled to. No Win, No Fee!
OUR INSURANCE CLAIM SERVICES
Fully Managed Fire Claims
Fire claims require expert management from start to finish. Your insurance company will employ a Loss Assessor whose sole purpose is to build a case against your claim.
By employing an expert Loss Assessor to fight your corner. You can focus on doing what you do best while we do what we do best.
Gaining alternate accommodation is a vital part of most fire claims. Your insurer’s appointed loss adjuster will often neglect to tell you your full rights or will offer you the cheapest option available.
Salmon Assessors will always ensure that you are given like-for-like housing at no extra cost.
No Win No Fee
We work on a total ‘no win, no fee’ basis. Our fees are based on a small percentage of the total settlement figure so it is in our mutual interest to ensure we achieve the maximum settlement on your behalf.
Our initial consultation is undertaken without any obligation or charge whatsoever.
We are regarded as the leading loss assessors in the industry and have over 30-years of successful trading history to show for it. A huge part of the work we get comes from repeat business or recommendation.
There is no other loss assessor that will be able to get you more than Salmon Assessors.
Settled Quickly and Efficiently
We receive countless enquiries from potential clients with claims that have been dragging on for months and months (sometimes years).
By employing Salmon Assessors, you can rest assure that your claim will be presented and settled in the quickest time possible.We will never let the insurance company delay.
Insurance companies will always try to bend the rules if it favours giving you the smallest possible payout.
Our expertise is vital in stopping insurers ‘pulling the wool over our clients’ eyes. There are always new rules and regulations set to help the policyholder, and our job is to make sure they are put in place.
PEACE OF MIND.WE DO WHAT WE DO BEST, SO YOU CAN DO WHAT YOU DO BEST.
ALL YOU NEED TO KNOW ABOUT FIRE CLAIMS
Your insurance company will instruct a firm of Loss Adjusters to act on their behalf. While the loss adjuster will insist upon being independent and impartial on the matter, the reality says otherwise. The firm is being paid by the insurance company and is there to represent their best interests. As far as the insurers are concerned, the loss adjuster doing a good job means reducing the final settlement as much as possible and, ideally, enabling them to decline cover entirely.
Even in situations where you stand a good chance of eventually receiving the settlement you’re entitled to and having your premises restored to the pristine condition it was in before the disaster occurred, the proverbial obstacle course you’ll have to navigate a daunting and demoralising one. You’ll be bombarded with a barrage of seemingly irrelevant questions spanning across various meetings and will have to produce pages worth of schedules of damaged items. You may be required to obtain quote after quote from contractors before it is decided that you can even think about proceeding with repairs. And that’s not the end of it. Quite frequently, if you cannot produce substantiating evidence for all of the damaged items, the loss adjuster will try to decline cover for them or at least substantially reduce the payout.
Of course, in commercial fires, it is not merely a question of having the premises repaired and replacing ruined stock. Your business has probably been rendered entirely inoperable, and the financial consequences of this are tremendous. You will have to claim for the losses accruing from the interruption to your business, and this often involves claiming for temporary relocation to alternative business premises while repairs are being undertaken. Once again, and particularly in the current economic climate, your insurers will seek out every avenue that may enable them to accuse you of failing to comply fully with the policy and to thereby repudiate your claim.
As Loss Assessors, our function is to represent your best interests. We are experts in commercial fire insurance claims negotiation and can ensure that you get the very best settlement possible under your policy. We will manage your entire claim from start to finish, taking all of the stress and burdens away from you and ensuring the claim is not put in jeopardy due to one or two simple errors.
We work on a “no win, no fee” basis in which our fee is calculated as a percentage of your final settlement. This means that negotiating a bigger settlement for you equates to a bigger payment for us. There could be no better incentive to do the very best job for you that we possibly can. We’re on your side.
FREQUENTLY ASKED QUESTIONS
If you’re making a claim of over £3,000, your insurance company will instruct a loss adjuster to ‘investigate’ your claim. The loss adjusters task is to establish what, in his/her opinion, it should cost to repair property damage or replace possessions.
They stress that they provide an entirely independent service but it will not take very long for you to come to the inevitable conclusion that their independence seldom falls in your favour. This is not particularly surprising not least that it isn’t you paying for their services!
The very reason that companies like Salmon Assessors exist is due to the gross negligence with which the insurers’ appointed Loss Adjusters treat policyholders.
We are insurance claim management experts, also known as Loss Assessors. Salmon Assessors are skilful insurance claim negotiators who will guide you through the technical complexities of making even, what may seem, a simple insurance claim.
It is the loss assessors job to ensure that the claim progresses quickly, efficiently and, probably most importantly, ensuring that you get every single penny to which you are entitled. The insurer’s loss adjuster will do all they can to hinder the process, and it’s our role to stop this from happening.
In much the same way that you would not dream of going to a court of law without being represented by a lawyer; or being represented by an accountant if you had a tax investigation, Salmon Assessors offers you the complete insurance claim management service.
Being under-insured can have a huge effect on your claim. It essentially allows the insurance company to reduce the settlement figure severely; they could even reject your claim for gross under-insurance. The issue is that under-insurance isn’t as clear cut as some insurance companies will try to make you think.
In the case of a burglary, a common tactic is for the loss adjuster to try to overstate the value of items that haven’t been stolen. This is all to make it look like you are not adequately insured (when actually you are).
Our role as loss assessors is to build up a conclusive list of items to present to the loss adjuster. If you are worried about under-insurance then it is of the utmost importance to speak to us as soon as possible.
Salmon Assessors have been dealing with under-insurance claims for over 30-year and we know every trick that your insurance company will try. We guarantee to get you every single penny you are owed. The more money you get, the more money we get; there couldn’t be a better incentive!
Our customers come to us at all stages of the claim process, but ideally, we should be instructed from the very beginning. Being instructed from the start allows us to put everything into motion in the best way possible.
Many policyholders contact us 1-2 months into their claim after they notice that the insurers are either heavily delaying the claim or attempting to absolve themselves from any responsibility.
When the insurer’s appointed loss adjuster meets you for the first time, they will be very friendly to try and lull you into a false sense of security. It is in that very meeting when they try and get you to slip up into saying something that may invalidate your claim. Do not be fooled by this; one wrong move can have a huge impact on your settlement figure. Salmon Assessors can still be employed at this point, but the claim won’t be as plain sailing as it could have been.
Sometimes potential clients will have already had their claim rejected before they contact us. Coming to us at this late stage does make the claims process particularly tricky and overturning a decision isn’t something that is done lightly. In our over 30-year history, Salmon Assessors has managed to reverse thousands of claims that would never have been paid without our intervention.
Our initial consultation is undertaken without any obligation or charge whatsoever.
If we are then appointed to deal our fees are based on a small percentage of the value of the claim, on a ‘no win, no fee’ basis. As such, it is in our mutual benefit to ensure we achieve the maximum settlement amount on your behalf.
It is sensible to seek the services of a Loss Assessor for claims above £10,000. However, Salmon Assessors will be delighted to provide guidance for any claim, simply phone our Customer Help Centre and speak to one of our trained advisors.