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Claims Assistance on Your Side

21st August 2018


Most insurance claims are simple to handle, but where losses are major and involve difficult or complex issues this can lead to unnecessary financial and emotional pressure for policyholders.  

For most, this is an unknown experience, challenging and time consuming and is often likely to include repairing damage, not only to property but to the interruption of your business.  To help support their clients in dealing with these complex insurance claims and minimise losses, leading independent insurance brokers, H&H Insurance Brokers, has designed and introduced a bespoke Claims Assistance Service.

This new service provides clients with a further level of assistance – access to their own personal Chartered Loss Adjuster in the event of a major loss or claim. This bespoke and innovative product comes both as the result of feedback from the industry’s regulator the Financial Conduct Authority (FCA) and H&H Insurance Brokers’ commitment to the very highest levels of service to customers.  When appointed the Loss Adjuster will act on behalf of and in the sole interest of the claimant, and not for the insurance company.

A 2016 report from the FCA debated what happened when policyholders had to deal with complex claims. The FCA concluded that “the claims process did not appear to work effectively in their interests.”

The Claims Assistance Service is designed specifically to answer these concerns, and to work in the interests of claimants. The service offers three levels of cover Silver, Gold or Platinum for an annual fee of £47, £117 and £250 respectively. Starting with a minimum of 10 hours professional support, and up to unlimited cover on the Platinum package, the Claims Assistance Service is intended for use when a complex claim occurs, leaving a business with a series of issues to contend with.  An example could be extensive damage to premises – which leads to the loss of stock and/or damage to machinery and feed, the cost of alternative premises, and the appointment of structural engineers, surveyors and contractors. A major / complex loss can also lead to a Business Interruption claim which requires specialist expertise when presenting this to insurers. In these instances, claimants often find themselves having to spend hours and hours negotiating with contractors, liaising with accountants, their insurance company and the Loss Adjusters appointed by their Insurers.

“It is in these more technical and complex circumstances that the Claims Assistance Service will provide reassurance and a guarantee that your best interests are being served”, says Paul Graham Managing Director of H&H Insurance Brokers.

“When the claim involves a number of parties, it becomes complex and detailed and takes time. Through our Claims Assistance Service our clients have the benefit of a professional and dedicated Loss Adjuster, and the added support and protection this ensures.

Examples typical of the kinds of events that those with the service would really have benefitted from would have included the floods in Cumbria, or the recent fires that have affected a number of areas recently. All are complex, involved major losses and require very detailed information from the claimant.”

Paul adds, “With this new service, our clients will immediately be provided with their very own Professional Loss Adjuster, who is working on their behalf to sort out the issues and maximise the claim. A Loss Adjuster knows the business, knows how to deal with all parties and very importantly, understands the legislation involved.

Our aim is to ensure our customers receive the best service possible and this is taking the level of service that we offer to them, to the next level. We are delighted with this and excited to launch this improved service to our clients which we believe is a natural progression to the qualitative claims service we already offer” concludes Paul.

The Claims Assistance Service is provided by CEC Claims, who are a market-leading Claims Adjusting service.

H&H Insurance Brokers offers independent advice on all aspects of rural and business insurances, and has received the Feefo Gold Service award for the second year running, the independent seal of excellence which recognises businesses for delivering exceptional experiences, as rated by customers.

ENDS