It is difficult to speak about a sample ICS claim management process as the devil is in the detail and each claim is different. However, if you would like to know what happens after you appoint ICS Loss Assessor to manage your insurance claim, below is an example of the steps we may take:
- As soon as you have notified us about your loss, our experienced Loss Assessor will examine your policy. He will explain the extent of your cover and any exclusions, conditions and other clauses that may affect the claim.
- He will photograph all damages, including potential secondary damage (e.g. from water or smoke) and complete a full on site survey. The survey may include various tests that will help him uncover potential damage your property which may not be immediately obvious. On commercial policies, he will calculate the loss of business interruption.
- Your loss assessor will check whether there is any structural damage to your property and advise whether a structural engineer should inspect it before it is occupied.
- He will then complete all paperwork which includes a claim form and all supporting documentation.
- The Loss Assessor will then liaise with your insurers and discuss the claim with the Loss Adjuster appointed by them.
- He will meet with Loss Adjuster on site to discuss the scope of repairs and the damage that has been reported.
- After meeting with the Loss Adjuster, your Loss Assessor may help you obtain quotes from flood restoration companies, so that drying and cleaning can begin.
- If required, he will liaise with contractors and other professionals to obtain repair quotes for the work.
- The Loss Assessor will then negotiate the settlement for the flood damage with your insurance company on your behalf.
- If applicable and required, he will request an interim payment from the insurer towards the restoration work.
- You receive your payment from your insurers.
- You pay our fee. We work on a no win, no fee basis, and your initial consultation is free.