Sometimes, often due to budget, businesses can under estimate the cover they need to ensure that their business in covered following a disaster like fire, flood and theft. Such disasters can rip through the premises of your place of business and leave a trail of destruction. You may lose stock and parts of the building that you operate from – would you insurance cover this? You may lose valuable trading time and subsequently you may not have the funds to carry you through this period – would your insurance cover this?
Loss of profit following a disaster can be devastating to businesses and even those with adequate cover can find themselves in trouble. When you put your claim in to the insurance company it is you and your business that is expected to deal with claim. If you are large business you may have the appropriate staff to guide you through this – but if you are one of the smaller guys what happens? Do you have the time, the knowledge and the inclination to fight your corner? You have just lost a good portion of your life; you will have enough to deal with – without learning the intricacies of business insurance claims.
Insurance companies are going to try and pay out fairly – but don’t for one second think that means that your business will receive the money it needs to continue trading successfully in the future. If you want to secure the future of your business following a disaster like flood or fire then you need to get proactive – consider tracking down the skills of a loss assessor.
Loss assessors are the secret weapon for smaller businesses and getting the money you deserve (and require) following one of these major disasters. A loss assessor is employed by you and your business and works with your businesses well being in mind.
You may be familiar with the work of a loss adjuster – a loss adjuster is employed by the insurance company to go through all the details of your claim- if anything doesn’t add up, or the cover isn’t sufficient in the eyes of the law – they adjust the claim. A loss assessor essentially does the same job but approaches it from your businesses angle.
The loss assessor can bring their skills, knowledge and expertise to the table ensuring that the playing field is levelled out. In all honesty can you say that you would be able to represent the interests of your business successfully against the loss adjuster and insurance company?
You owe to it to yourself and your business to get the most money following a claim for a major disaster – and a loss assessor is the key to getting it.
Wayne Barker writes for Harris Balcombe – the UK’s leading loss assessors, claims recovery and claims management company. Harris Balcombe specialises in fire insurance claims, flood insurance claims and business interruption claims.
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