Theft Claims: Professional claim assistance

Theft of Domestic and business contents, and damage to domestic and commercial buildings, following forced or illegal entry to premises.

Unfortunately Crime is a major problem, with Forced entry to homes and businesses a regular daily occurrence. This causes major issues, physically, mentally and financially to the policyholder. We at Premier Property Claims has the expertise and knowledge to handle your claim from the start to finish.

Typically in a theft scenario as the missing items can no longer be seen, Insurers will want to establish the veracity and validity of the claim and their questions can be lengthy and probing. The last thing a victim of crime needs at such a delicate time is to be questioned by their insurance companies representatives. To a policyholder this often appears as intimidation. Following a theft or burglary a policyholder or claimant is strongly advised to seek professional help and assistance in the preparation and negotiation of the claim. Premier Property Claims are present at all meetings with insurers or their representatives. Premier Property Claims offers expert guidance on the handling and processing of theft and burglary claims for household, factory, office, and shop losses, dealing with theft claims affecting both the buildings and their contents. Premier Property Claims will offer you, the policyholder, our support and provide dedicated management of your Theft or Burglary insurance claim and we will ensure that questions raised and demands placed on you by insurers, are not unreasonable.

Premier Property Claims assist all its clients by preparing a schedule of the theft loss and damage and by negotiating settlement with insurers or their loss adjusters on the policyholders behalf. As expert claims consultants we will guide the claimant in obtaining appropriate replacement /repair estimates and valuations where necessary. In so far as the loss of business contents is concerned we will undertake appropriate stock reconciliation exercises to demonstrate the extent of loss to insurers.

Your insurance company is likely to appoint a Loss Adjuster or claims handler to deal with your claim but this is to protect their own interests. These representatives operate under heavy workloads and your claim may not be given the focus it deserves. Adjusters and Insurance Claims Inspectors do not prepare your claim, they adjust the claim you submit. Other expenses may be recoverable of which you are unaware. If you prematurely agree a claim with insurers it may be too late for them to subsequently reconsider additional items

Insurance policy wordings are complex and difficult for a policyholder to understand. An insurer or his representative have the advantage and will often attempt to construe the wording in their favor. As your professional loss assessor we understand the policy wordings and have the knowledge and experience to redress the balance and ensure that your insurance claim is given the fullest and fairest consideration it deserves.

It is therefore essential that you are suitably (Who are FCA Regulated) represented by your own professional Loss Assessor as soon as possible after a Theft or Burglary is discovered to ensure the claim is properly and accurately presented and you receive the maximum benefit under the policy.