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A burglary at your home can be
traumatic and leave you feeling violated.
Many issues need to be addressed, such as:
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Who will deal with the repairs
to your home?
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How can you prove what has been
stolen?
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How will you calculate your
claim and who will arrange all the estimates and
valuations?
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Who will co-ordinate and
present the claim and deal with the daily
telephone calls, meetings with the insurance
company, loss adjuster, suppliers etc?
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How long will it take?
Unless you appoint a claims
consultant like Morgan Clark, you as the
policyholder are responsible for all of the above -
and a lot more besides.
Don't forget - the loss adjuster
works for the insurance company and is only
interested in looking at the costs once they have
been presented to him. He is not responsible
for preparing your claim. Even if outwardly friendly
and helpful, the loss adjuster reports to the
insurance company and must settle the claim as
economically as he can. Unless you happen to be an
insurance expert yourself, you simply won't know
whether what he is telling you is correct or not, or
whether you are getting what you're entitled to.
The loss adjuster will look
carefully at whether the insurance company can
reject or reduce your claim by investigating whether
or not you have complied with the policy conditions,
such as having the right locks or whether you are
underinsured. If the claim is accepted, more often
than not the insurance company will try to insist
that they replace all stolen items through their own
network of suppliers - which may not suit everyone.
Even if you're able to reach
agreement with the loss adjuster, it is becoming
increasingly common for the insurance company to
reject their recommendations and try to adjust the
claim downwards.
Engaging specialists like Morgan
Clark to look after your interests is the only way
you can be truly sure that you receive your full
entitlement. Please
click here for further details of our Claims
Management service.
For a no obligation review of your
claim by an experienced consultant, please call us
on 0800 0975156 right now, or take a minute to
complete our online
enquiry
form.
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