10-step Claims Process

Successful insurance claims are all about process and presentation.

A typical 10-step claims process would be:

1. In cases involving criminal activity (such as Theft or Malicious Damage), you should call the police to report the incident. Obtain a Crime Reference Number;

2. Call Truman Associates and instruct them to act on your behalf;

3. We visit the scene of the loss with you;

4. We go through your insurance policy thoroughly;

5. We help you to prepare a schedule of the loss; be aware of how important it can be to produce supporting documentation;

6. We liaise with you to obtain estimates to repair or replace and reinstate the loss;

7. We hold meetings with your insurance company's loss adjuster;

8. Truman Associates negotiate on your behalf with the loss adjuster;

9. You get your settlement from your insurance company;

10. You pay us an agreed percentage of the settlement.

At all stages, Truman Associates keep you informed on the progress of the claim, and you do not pay until you have received compensation from your insurers.

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The reason this system works so well is that Truman Associates are experienced in dealing with insurance claims and know what to look out for. Often mistakes made at the start of a claim can damage your chances of achieving a good settlement at the end, so it is best to contact Truman Associates as early as possible.

When you have an incident in your life such as a fire, flood, water or storm damage, or theft, you clearly need some help. Your first thought is to call your insurance company and tell them all about what has happened to your home or business, but this is often not the best way forward to getting a fair settlement.

Calling an insurance loss assessor FIRST might be considerably more useful to you.

An insurance loss assessor manages your claim for you, and deals with all communication with your insurance company or representatives they may wish to employ on their behalf.

Why do you need to employ an insurance loss assessor if you are already insured?

An insurance company makes money from selling insurance policies. The last thing they want to do is pay out more money than they have to, and that’s why they use their insurance loss adjusters to ensure that they pay out as little money as possible. It’s not because insurance companies are bad people, it’s just that they are a business who are obligated to put their shareholders first.

Their loss adjusters have years of experience of dealing with claims. And that’s why often the best thing that you can do is to use your own insurance loss assessor to negotiate with them.

Truman Associates are probably the most experienced insurance loss assessors in the UK; there is no-one better equipped to help you with the details of the claim. And it’s not all about the small print – if that was the case, it is unlikely that a firm of solicitors would have used Truman Associates to act on their behalf – as well as to secure £20,000 more than they would have thought to claim for themselves!

Each case is dealt with on its own merits, which is why a loss assessor with many years’ experience is so important.

So if you have an incident that means you need to make an insurance claim, you know what to do.

Call Truman Associates – it’s only fair.