Has Your Business Been Damaged By Fire? Employ A Professional Loss Assessor To Make Sure You Get a Good Insurance Settlement
We think of insurance as something which provides assistance and reassurance, but too often the process of making a claim heaps on the worry and stress when you are least able to bear it.
In the shadow of calamity such as a fire, many people end up settling for a sum way below the true cost of the damage. This happens because your insurance can call on professional loss adjustors, whose job it is to save the company money – by giving you as little as possible. If your business is damaged by fire, it is prudent to employ to fight your claim for you, a loss assessor who also has a thorough knowledge of insurance law but who, unlike his counterpart, is working for you not against you.
The assessor will visit your premises and inspect the damage from an experienced standpoint as well as examining the precise legalities of your insurance to ensure your business insurance claim is maximised. The assessor is trained to look for things such as smoke damage, which you might not notice, and which can significantly affect the settlement. Ideally, the call to a claims assessor should be the second phone call you make – after that to the emergency services – but even if it is not, contact further down the line can help overturn an offer if it is clearly inadequate. but even at a later stage it can help in challenging an inadequate appraisal by the loss adjustor. Of course, the loss assessor will charge a fee but this will be a small percentage of your final settlement and is almost always absorbed by the increase the assessor will negotiate on your behalf.
‘Ours was only a small fire, but what we didn’t appreciate was how much damage the smoke had caused,’ says shopkeeper Bob T who called in loss assessors Truman Associates, ‘If we had listened to our insurance company we would never have had enough money to repair the damage properly’. Ray Truman says that his company, pioneers in the field of claims assessing, was set up to redress the balance. ‘and we got into loss assessing because we could see that the insurance claim was often not a fair fight’.
Insurance is a highly technical area with a lot of legal jargon. When you’re worried that everything you’ve worked for may be ruined, it’s difficult to think straight, let alone understand the complex nature of a claim In an increasingly cut-throat climate, loss adjustors are encouraged to capitalise on your weakness and persuade you of the inevitability of a low payout.
With a business fire insurance claim, employing a loss assessor is especially prudent. The effects of smoke damage are likely to have been overlooked. A loss assessor is practised at seeing (and claiming for) all aspects of the loss, not merely your stock or your premises but also your loss of trade and any relocation costs.
Truman says that helping fellow business people recover makes his ‘a very rewarding line of work.’ Their attention can help alleviate their clients’ distress and get his or her business back on its feet with their experienced business insurance claim advice.
If your business or home has been fire-damaged, a call to Truman Associates can only be a good move. They can take some of the pain out of your insurance claim.
Robert and Kristen Vanity Fair photo shoot
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