Advice For Your Subsidence Claim

Public Loss Assessors Ensure Good Communication

The need for good, continued communication between policyholders, insurers and representatives can be forgotten during the difficult time of an insurance claim. Policyholders are understandably concerned with the damage that has occurred within their homes or businesses, and it can be extremely difficult to cope with a lack of updates about the progress of the claim within a timely manner. To eliminate the fear of not knowing how far along your claim is, we will keep communications open throughout your insurance claim.

We see complaints where the insurer has tried to stop payments in relation to the claim when they reach the total of the sum insured. This is why there are many difficulties dealing with a claim of this nature. It is important to be aware that when the insurer has chosen to repair the damage, it has entered into a ‘contract to repair’. This is separate to the contract of the insurance and means that the insurer is not able to limit the costs awarded to repair the property. Therefore, they are obligated to repair your property in full. Public Loss Assessors will ensure that your insurer abides by this contract.

We Can Support You During Your Subsidence Claim

When your property suffers from subsidence damage, the damage to your property will require full expert evaluation. We aim to help our policyholders receive the full amount they are entitled to, as subsidence claims can often be the most challenging insurance claim to handle. Insurers will take a much longer time to settle a subsidence or ground landslip claim than to settle any other type of claim under building policies.

A major reason for this is when our contractors evaluate the full damage caused from the area, this can take a long time as the area surround is unsafe. In a large subsidence case, there is a delay from the insurer dealing with the claim which results in the policyholder getting frustrated. Our way involves making sure that suitable time is taken by the insurers and representatives to monitor the situation and ensure that repair work is completed as quickly as possible.

Gain Independent Representation on Your Claim

By not having an independent representation on your claim you may have to deal with the damages and issues directly with your insurers, and deal with the inconveniences that the situation brings with it. By choosing us as your independent representatives, we will ensure that you receive your full entitlement under the terms of your policy and will fully represent you when dealing with assessors and surveyors. We will make sure that your insurer will completely repair your property as quickly as possible to a high standard.

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