DOMESTIC FLOOD INSURANCE CLAIMS
If you’ve experienced water damage at either your home or business, it doesn’t take long for the catastrophe of the situation to sink in. So often, what at first glance seems like a relatively minor incident can quickly turn into a disaster area.
Salmon Assessors have dealt with thousands of domestic flood insurance claims over 30-years and no other firm is more qualified to help you through such a disaster. It is absolutely vital that you call us immediately after the flood because it is the first few days that are so often critical to making a successful water damage claim.
At Salmon Assessors, it’s simple, we guarantee to get you every single penny you are due. No win, no fee.
OUR INSURANCE CLAIM SERVICES
Fully Managed Flood 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 flood 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. The largest proportion of the work we get is both repeat business or via recommendation.
There is not another loss assessor that will be able to negotiate a higher settlement then Salmon Assessors.
Settled Quickly and Efficiently
We receive so many enquiries from potential clients with claims that have been unnecessarily dragging on for months and often years.
When you employ someone assessors, you can rest assured that your claim will be presented and negotiated in the quickest possible time. We are not prepared to allow your insurance company to make any delaying tactics.
Don’t think that your insurance company will not try to “move goalposts” if it means lowering your claim.
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 FLOOD CLAIMS
The insurance company will send a loss adjuster to visit you within 24hrs so that they can report back to the insurance company with their findings. We also need to note these important initial findings which, in some cases, can prove to be the difference to your water damage claim being met or refused.
So often, the biggest damage to a flood affected property is not the actual water damage itself but the damage to the fabric of the building caused by incorrect drying-out of the property.
For example, before installing dehumidifiers to dry out the property, it is essential that following water contamination you ensure that the correct chemical sanitisation is carried out after you strip out all of the furniture. You then have to make sure that the correct anti-fungal treatments are used so as to ensure that dry or wet rot isn’t given the chance to take hold in the future.
Only after these procedures have been carried out should you install dehumidifiers and even then it is vital that the dehumidifiers are not so powerful so as to cause significant shrinkage to the building fabric.
Our expert Assessors are on your side and will ensure that we quickly help you find alternative living accommodation. We will coordinate all aspects of your claim and ensure that we get every last penny to which you are entitled.
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.