When your home or business suffers from subsidence damage, the loss on your property will require specialised understanding of the damage it can cause – subsidence issues are often the most technically challenging insurance claim.
Typically, insurers take longer to settle a subsidence or ground heave/landslip claim than they do to settle any other type of claim made under buildings policies. A significant reason for this is that, with a claim of this nature, identifying the nature of the damage and its cause is far from the end of the investigation. In many ways, it is only the beginning.
In quite a large proportion of the subsidence cases appointed to Public Loss Adjusters, the policyholder complains of delay by the insurer in dealing with a claim. Our approach involves ensuring that insurers and their appointed representatives take a reasonable and proportionate time to investigate and monitor the situation, relative to the damage you have taken.
Public Loss Adjusters Ensure Good Communication
Despite all the technical know-how that insurers and their representatives devote to resolving your situation, the need to maintain good communication with the policyholders can sometimes be overlooked. For policyholders that are understandably anxious to halt the damage to their homes, possibly already putting up with a considerable degree of inconvenience, the prospect of apparently unending debate among the experts can often be the final straw that will lead to frustrations. We will keep communications open throughout your insurance claim.
There are many pitfalls in dealing with a claim of this nature, an example being that sometimes the sum insured may not be enough to pay for stabilisation of the site and the cost of repairing the damage to the buildings. We see complaints where the insurer tries to stop payments in relation to the claim, when they reach the total of the sum insured – even is not all of the necessary stabilisation and/or repair work has been carried out. We are 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 insurance. In most cases, this means that the insurer is not able to limit the benefits under the “contract to repair” to the “sum insured” set out in the insurance policy.
Gain Independent Representation In Your Claims
Without independent representation, you may be left to deal with issues of this nature direct with Insurers. PLA will ensure you receive 100% entitlement under the terms of your policy and will represent you fully when dealing with the insurer’s appointed adjusters and surveyors. We will ensure that your insurer will repair the damage of your home completely, adhering to their contract to repair. Choose the PLA Alternative for your subsidence claims – don’t settle for less.