Solar Insurance Claims handling
No matter how well you are insured, a loss is always something you can do without. Yet it can happen to you at any time.
dealings up to the point where legal proceedings are needed to
settle a dispute;
Extent: It is up to the policyholder to provide proof of the extent of the loss.
Our main objective throughout our handling of your case is to
Whenever you claim on your insurance, it is nice to
ensure that you receive the compensation you are entitled to under
In practical terms, this basically means that you have to provide solid
know exactly how your insurer will handle your claim
the policy terms and conditions, enabling you to make the most of
reasons to underpin your claim. You must do so by completing the claim
the cover provided by your policy or policies.
form in full, while also attaching an official report of the loss, proof of
and what you can expect from us. It is also useful to
purchase, or a testimony, for example. The better your reasons, the
know how you personally can help ensure speedy and smooth settlement of your claim and make the most of your insurance.
smoother the handling of the claim. On top of that - the sooner all infor-
How we support you
mation is available, the sooner your claim will be settled.
Our staff members have been trained based on the most up-to-date knowledge in the area of insurance. We can also draw on an extensive network of experts and professionals. We deploy that vast array of ex-
What can you expect from us? After a loss has arisen, we will advise you on how to deal with the first problems that ensue.
This can include advice on what damage control measures to take. Needless to say, we will draw on the cover provided by your policy wherever applicable;
We will notify all the insurers involved in a particular case on your behalf;
We will handle all contacts between you and the insurer where a
pertise to ensure the best possible claim settlement for you.
We will, wherever possible, lighten the administrative load for you; We cut the time it takes to settle a claim by using our far-reaching
You can therefore count on us to let you know exactly what specific
of your loss. We will therefore sometimes ask you a great deal of questi-
documentation or details are needed to ensure your insurer pays out on
ons about the loss to quickly get clarity on how your claim can best be
your claim. A cover assessment is a formal check the insurer performs to
assess whether all criteria for payment on a claim as included in the policy terms and conditions have been met. In other words, the better
If the insurer does indeed decide to bring in a loss adjuster, this person
the reasons for submitting the claim, the smoother the handling of the
will be neither able nor authorised to make statements on the cover
claim. That way you will benefit from the best possible claim settlement.
provided by the policy, as his or her job is purely focused on gathering information for the insurer. Again, the sooner all information is available, the sooner the loss adjuster can report back to the insurer, and the
What we need from you
claims handling authority;
Insurance policies come in all shapes and sizes. But when it comes to
We will liaise with insurers to assess their stance on how to settle
claims, it always boils down to the same two key factors:
your claim. In the event that the position taken by the insurers is erroneous, we will act on your behalf in discussions with the insurer to protect your best interests. We can represent you in such
An insurer may or may not call in a loss adjuster to assess your claim. A decision to that effect will be made based on the extent and complexity
particular risk has been insured;
Calling in a loss adjuster
Cause: It is up to the policyholder to prove that the loss that has arisen was caused by one of the events covered by the policy.
sooner the insurer can take a position on how it wants to settle the claim. In some cases, it may be useful for the policyholder to call in his or her own loss adjuster to assess the claim. If that is indeed the case, we will discuss that with you.
Loss and fraud Insurers invest a lot of effort and money in preventing and combatting insurance fraud. And rightfully so, because fraud ends up costing the industry a lot of money. Your money. The insurance premiums you pay are primarily based on insurers' annual claim levels. The higher their claim levels, the higher the premium you pay. As your insurance broker, we also consider it part of our duties to alert you to the possible consequences of fraud. When an insurer detects a case of fraud, this will involve several consequences, ranging from the lapsing of the policyholder's entitlement to compensation to certain of the policyholder's risks becoming uninsurable, or even to criminal prosecution of the policyholder. Surely that is too great a risk to run just to â€œmake a bit of cashâ€? through insurance fraud. Do therefore bear in mind that the information you provide to insurers must always be complete and accurate. This includes details relating to how the loss came about, the extent of your claim and the bills you submit.
Insurers keep extensive records of claims and exposed cases of fraud in a centralised database that all insurers can access. The consequences of bogus, doctored, or even only slightly tweaked claims can therefore be a lot more serious than you might think. By providing accurate information you will make sure that your true risks (i.e. those risks that you yourself could never cover) remain insurable.
The steps of claim settlement