Typical UK weather is so inconsistent, you never know what is coming next. One minute you can be lying in your garden or on the beach soaking up the sun and the weathermen are preparing us for droughts, the next a big storm comes in and washes it all away. An unexpected flooding disaster can then cause chaos.

How would it affect your business if a flood disaster should occur? What plan of action would you take if you needed to react to a flooding disaster involving your business?

When it comes to insurance, it can get a little confusing especially if you are making a flood claim. Has your insurance company ever made you feel like you are the problem in all this? Possibly you may know someone who has experienced a massive loss when making a claim for something or who has been treated unfairly. Making a claim on your home or business insurance is often not as simple as you would hope.

If you are in the unfortunate situation where you have to make an insurance claim, ensure you contact a Loss Assessor first to get insurance claim advice. Truman Associates have 30 years’ experience of dealing with insurance claims, and as it is all they do, you can trust that they will help you get the most out of your claim.  and can give you expert help. They know all the tricks your insurance company uses to pay out as little as possible – they beat the insurance company at their own game!

With the current unpredictable weather it’s important to ensure you’ve got your business covered and protected against flooding. Will your policy cover you for storm damage or flooding and can you trust your insurer to give you what you are entitled to? Not necessarily! You should at least look at their suggested claims process – it’ll help you to make sure you don’t make any big mistakes.

It is important to stress that you should think about your claim strategy before making any contact with your insurance company. Insurance companies are doing the best they can to pay out as little as possible for flood damage claims, and you can emperil your claim as soon as you contact your insurers.

By contacting a Loss Assessor, you get what you are entitled to.

There is plenty more information on this site, and we are happy to discuss any questions you may have. You can make the call now in the UK for free on 0800 542 16 16, or for a local rate on 01273 220 555 .

A storm to remember, particularly if your property was damaged. Except if you’re a loss adjuster. To a loss adjuster this was not a storm. He’s digested local weather reports and could find no mention of Force 10 winds, which he will tell you is the technical definition of ‘a storm’. Ergo, according to the precise terms of the standard insurance contracts he issues, he is not technically liable to cover damage caused by this…adverse weather.

Unfair? Possibly – but that’s business. Loss adjusters exist to minimise each and every claim and thus save their companies money. In the autumn and winter months – a time the adjuster approaches with maximum trepidation – many thousands will be readying themselves to make a home insurance claim against his paymasters. If the adjusters can downgrade a storm, they don’t have to pay out to anybody – the savings could be in seven figures.

If you only had a cracked window or two, or lost some roof tiles, you’ll shrug it off and remind yourself of the injunction regarding small print. But what if you’ve lost a lot? Possibly you own a business and water ingress has damaged stock, putting your business at risk.

If you have a substantial claim which is being contested or refused outright, you should know that a countervailing force to the cunning loss adjuster exists in the form of the loss assessor. The loss assessor is an insurance expert whom you appoint to fight your claim on your behalf. Contrary to yourself, he knows insurance law like the back of his hand.

Should your home or business be damaged by a storm this winter, or if you suffer flood, fire or theft, insurance claims advice is only a phone call away. The loss assessor’s fee is likely to be a fraction of the increase he will secure for you; the loss adjuster would far rather move on to beating up on unwitting victims.

Your loss assessor will arrive in a mid-range saloon rather than on a white charger and be armed with a briefcase not a lance. In every other respect however, the analogy is accurate.

Did you know, for example, that if you are away for more than 30 days, many insurance policies will exclude cover for burst pipes unless you have taken prudent measures to prevent frozen pipes from occurring in the first place. If you are going to be away for an extended period, maybe consider setting the thermostat to prevent pipes from freezing, maybe even opening the loft hatch to keep the tank and pipes in the loft from getting so cold that they can freeze up.  Efficient lagging is good, but remember, lagging doesn’t actually warm things up – rather, it helps prevent the transfer of heat – which can act both ways. So even if you have kept the thermostat at a sensible level,  lagged lofts may actually prevent the heat from within your home getting up far enough to prevent your pipes from freezing.

Alternatively, you may consider turning off the heating and draining down the system so there isn’t any water in the pipes to freeze up. However, do not drain down the system and keep the heating on!

And remember, if you ARE going to be away for a substantial time, you should check your insurance policy to see if there are any implications from your property being unoccupied. Many policies change your level of cover if you leave a property ‘unoccupied’ for more than 30 days.

LONDON, November 2, 2011 /PRNewswire/ –

Loss assessors are there to help you when times are bad; fighting on your side when you have suffered a big loss that results in an insurance claim. We all hope that we will never have to use their services, but when you really need an insurance professional to work for you, they’re there for you.

Recognised as one of the best loss assessors in the business, Ray Truman is the proprietor of Truman Associates. For him, it’s not just about reading the small print, it’s about knowing the insurance industry inside-out and what is the basis for a solid claim. Here is your chance to read some of their Case Studies – they are sure to be a real eye-opener!

Snow Damage Claim

Take the case of an events company that was forced to close over Christmas and New Year; they had difficulty putting in the insurance claim themselves due to the wording of their policy. With the help of Truman Associates, they eventually put in a successful claim for £115,000.

The MD has nothing but praise for Truman Associates Loss Assessors: “This time I needed some extra help in my corner and you both came through.” Read the full story of how insurance loss assessors helped them claim here on their website: http://www.trumanassociates.co.uk/insurance-claim-snow-storm.html

Cannabis Factory Claim

Or the landlord who had to deal with the damage of a cannabis farm in their property; was it malicious damage, or just the tenant running a business? There was clearly a difference of opinion, and the insurers tried to avoid paying. The eventual settlement was £49,000.

In the words of the landlord: “my insurers were supposed to be specialists in insuring landlords like me,” but they tried to “hide behind small print to reject my claim.” The full story of this successful insurance claim is here: http://www.trumanassociates.co.uk/insurance-claim-cannabis-farm.html .

Contact Loss Assessors

So when disaster strikes and you have suffered damage to your home or business, it could be time to call in Truman Associates loss assessors. It could save your thousands, and will cost you nothing to call them on 0800 542 1616. http://www.trumanassociates.co.uk/contact.php

Distributed by PR Newswire on behalf of Truman Associates

But there is so much more to our work; so we’ve put together one or two case studies of insurance claims to show how it all works. And the fact is that we make our own fee, many times over! As you only pay us once your claim has been settled, you can’t lose. We even help insurance companies to claim!

Read about the events company who successfully claimed £115,000 for snow storm damage;

Or how we helped a carpentry business to make a £33,000 claim for business interruption insurance;

Or the help we gave with every landlord’s worst nightmare, ending up with a £49,000   settlement for damage through a cannabis farm.

So it’s all about knowing the insurance industry inside-out, including the right type of claim to make in the circumstances.

You can never be sure when it comes to the weather, but you can be sure you’re in good hands with a Loss Assessor. The sun can be such a nice present from mother nature, but what about when there is constant rainfall? A flooding disaster can then occur unexpectedly.

As a business have you ever thought about how this could affect you, do you have a disaster recovery plan in place? If you had to make a claim, where would you start?

When you are making a flood claim, or any claim for that matter can create a lot of confusion. Has your insurance company ever made you feel like you are the problem in all this? Perhaps you might know someone who has experienced a severe loss and their insurance payout was a let down? Going through the process of making a claim on your business insurance can be very complicated.

Contacting a Loss Assessor for insurance claim advice before making a claim will save you time, money and a big headache. If you want a reputable company with 30 years experience, contact Truman Associates. They can maximise your insurance entitlement and offer their expertise at a reasonable price.

With unpredictable weather it’s important to ensure you’ve got your business covered and protected against flooding. It is possible that you think your insurer is on your side and that you have got it covered. Think again!

Before you pick up the phone to your insurance company for insurance claim advice, contact a Loss Assessor at Truman Associates. They will give you the best advice on your situation in preparation for contacting your insurance company. Should your business premises be affected by flooding and you need to make a claim, ensure you contact your Loss Assessor before you contact your insurance company.

Setting the claim strategy at the beginning is fundamental to maximising your settlement. You may end up being on the receiving end of a minimal payout from your insurance company if you don’t contact a Loss Assessor first.
But with experienced Loss Assessors like Truman Associates helping you, you get the insurance settlement your business needs.

There is plenty more information and the experts at Truman Associates are happy to discuss any questions you may have. You can contact them for free in the UK on 0800 542 16 16. For more information take a look at their website http://www.trumanassociates.co.uk.

We’ve all seen the looters taking the opportunity to steal desirable goods from shops, so they are either getting burnt down or stripped bare – or both.

Business Insurance Claims

Most of us think that the riots will pass and order, if not calm, will be restored once more. However, what about the aftermath, the clean-up – and those that have to pick up the pieces of their lives, their homes, their businesses?

The first thing that comes to mind is to turn to the insurance policy. Many people are simply not insured. Others are only partially insured. Sometimes, the terms and conditions of their insurance contract prove to be a problem. There is also the Riot (Damages) Act (1886), a piece of Victorian law that may be invoked against the Police, which may be pursued in order to seek compensation.

There are strict terms and conditions associated with this route – for example, you may have only 14 days in which to notify the appropriate authority of your claim. As a consequence, and in order to comply with the act, your own insurer may insist on notification and full supporting documentation for claims made through them in the first instance should be within 7 days so that they may in turn lodge their subrogation claim to the Police.

Moreover, given the tight financial constraints under which the Police currently find themselves, they may strongly resist attempts to seek an extension of time to allow for full claim submission, though you should be able to extend the deadline to 42 days.

A Loss Assessor Can Help You Through The Claiming Maze

It is strongly recommended that those who have been affected by the rioting and looting appoint a professional insurance Loss Assessor to act for them in their insurance claim.

An insurance loss assessor knows what your insurers require when you are submitting your claim. They also protect and advise you if you are seeking compensation from the police authority for “uninsured” losses.

No matter if you are a private individual or a business, if you have been effected in any way by these riots, please make sure you contact Truman Associates immediately so you get fair treatment by your insurers after your treatment by the rioters.

Call us FREE on 0800 542 1616

Damage caused by a paperweight and the sun

As well as the destruction caused by the fire itself, there would have been considerable damage from the water used to put the fire out.

Once you’ve read this, we urge you to check through your own insurance policy – and never leave glass paperweights (or magnifying mirrors- in fact any object that can concentrate the sun’s rays) near a window on a sunny day.

Record low temperatures have marked this winter in the UK, and are very likely to return before January’s out. This is bound to increase the incidence of burst pipes in your home or business. Business premises are especially vulnerable as they are generally not heated after business hours.

These floods not only damage flooring and building fabric, but can also ruin stock and lose a business revenue due to closure for cleanup. When a mains-fed water pipe freezes then bursts in your home the results can be catastrophic. Replacement ceiling, new flooring and redecoration can all be necessary in the worst cases. As soon as you notice your burst pipes, you should call in a plumber to stem the flow and halt any increase in damage. You might think that the next thing to do would be to contact your insurance company to start processing your insurance claim, but it’s often not as easy as that.

In the current financial climate, insurers are under pressure to save as much money as possible. Freezing weather creates losses on a huge scale for insurers. Claim managers and insurance loss assessors, like Truman Associates, work directly for you and represent your interests. As insurance claims management experts, they will trawl through the small print of your insurance policy and ensure you claim for absolutely everything you are entitled to.

Truman Associates have many years experience as insurance claims professionals and will liaise with your insurers on your behalf, expediting the processing of your claim, leaving you time to get your business or home back on its feet.

One of the primary advantages of using a firm like Truman Associates is that they are totally committed to helping you realise the maximum obtainable amount from your burst pipe or flood insurance claim in the shortest possible time. Timeliness of settlement will be important where there is not money to spend in advance to get a business up and running The insurance company’s loss adjuster is not there to help you claim or speed up any settlement.

Loss adjusters do not work for you and will not always act in your best interests.

Having your own insurance loss assessor will ameliorate the final outcome of your claim as they are professionals dedicated to you. If you have a burst pipe at your business premises or at home, contact Truman Associates to ensure you get an insurance settlement that properly reflects the costs incurred.

Truman Associates loss assessors will make sure you get the settlement you deserve.