Claim Procedure

The insurance claim procedure

• Once damage to your property has been discovered, initial steps should be taken to minimise loss/damage e.g. get a plumber to stop a leak.
• The Insured contacts Arthur Lyons & Associates and appoints us as their Loss Assessor and we inform the insurance company of the loss or damage.
• The insurance company will appoint a Loss Adjuster to act on their behalf.
• We set up an appointment for the Loss Adjuster to inspect the damage.
• We also survey the damage and compile a claim on behalf of the Insured.
• We meet the Loss Adjuster and allow the property to be inspected.
• We submit the claim to the Loss Adjuster including building damage, loss or damage to contents and alternative accommodation/loss of rental income.
• The Loss Adjuster assesses the claim and negotiates with us regarding the scope of the work necessary and the costs thereof.
• The Loss Adjuster proposes a settlement offer to us, however if we do not feel that this is adequate we negotiate until an acceptable figure is agreed.
• At this stage we can also assist in appointing competent builders and tradesmen to carry out repair work.
• And as Quantity Surveys, Arthur Lyons & Associates can supervise the construction work.
• In some cases, insurance companies withhold a portion of the agreed settlement amount pending completion of work, inspection by their Loss Adjuster and submission of appropriate documentation. Arthur Lyons & Associates will facilitate the smooth running of this process ensuring that you get your full entitlement as soon as possible.
• We then facilitate the inspection of the completed work by the Loss Adjuster and secure the balance of your settlement.

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