SABRE OFFERS…
Domestic Burglary Insurance Claims
In 2020, there were nearly 300,000 domestic home burglaries. In 83.5% of all incidents (attempted and where entry was gained), victims reported feeling emotionally affected. More than half of victims report feeling anger, annoyance and shock. Around one in three reports having difficulty sleeping afterwards and experiencing anxiety or panic attacks. While we can never remove the trauma of being burgled, our expert assistance can help ensure the claim process does not add further stress.
The Claim Process
Once you have informed your Insurance Company of the incident, they will appoint a Loss Adjuster. The Loss Adjuster’s role is to validate the claim and check you have met the terms of your policy. Loss Adjusters are paid by the Insurance Company and are not independent. Their responsibility is to protect the interests of the Insurance Company. If you have not met the conditions of your policy, and the Loss Adjuster is aware of this, they will try to reject your claim. If the Loss Adjuster believes your insured value is insufficient, they will attempt to reduce any pay-out you are due. Loss Adjusters may use specialists to interview you and examine the claim. This process will likely include investigating your financial commitments and previous claim history. They may question you, looking for motives to implicate you, despite being absolutely innocent. Appointing a Loss Assessor will ease the stress of the claim.
Domestic Fire Insurance Claims
Ensuring everyone’s safety will always be your first consideration. Simply put, a house fire is one of the most traumatic things that can happen in a person’s life. In the aftermath of the fire, as well as the damage to your home and contents, the psychological and economic effects on you and your family can be severe. Dealing with issues such as where you are going to stay, and the welfare of your family and pets will be stressful. The insurance claim process can be intimidating and add further stress. Appointing an expert Loss Assessor will ease your stress and ensure your claim proceeds without delays.
The Claim Process
The claims process following a domestic fire is particularly stressful. Once you have reported the incident to your Insurance Company, they will instruct a Loss Adjuster to act on their behalf. The Loss Adjusters main focus will be to minimise the claim’s value or even repudiate the claim altogether. The Insurance Company pays the Loss Adjuster, and they are not independent. A forensic expert may be appointed before the claim is validated. Your Insurance Company and its representatives may conduct interviews with you and your family. The purpose of investigation and interviews is to establish ways to either refuse the claim or reduce the amount you are entitled to. Appointing Sabre early will ensure your interests are protected. We will ensure the Insurance Company and its representatives treat you fairly and that your claim proceeds with minimal delays. We will fight to ensure you receive what you are entitled to. We will take the strain and reduce the stress of the claim, allowing you to focus on yourself and your family and return to some normality.
Domestic Home Storm Damage Insurance Claims
Storms and the resultant damage can significantly impact your home, both short and long term, if not dealt with correctly. You may need some alternative accommodation if the damage affects the structural integrity of your property. This alone is stressful and time-consuming without dealing with your Insurance Company. Sabre can take all this stress away by ensuring everything is dealt with correctly the first time. Chartered Surveyors and Structural Engineers will scope the damage and oversee repairs to ensure you receive your full entitlement.
The Claim Process
Storm damage claims are complicated, and we use a range of resources to substantiate your claim. Usually, when you try to register a claim, your Insurance Company will appoint a Loss Adjuster to look after their interests and minimise the pay-out they may be liable for. They will scrutinise your policy to ensure that you have complied with its conditions and have adequate sums insured. If you are underinsured, they will attempt to significantly reduce the pay-out. These Loss Adjusters are paid for and employed by insurers and are not independent. You need someone on your side.
Domestic Impact Claims
Impact damage is usually caused by a vehicle colliding with a boundary wall or property’s external wall. It can also be caused by an object or objects falling from a moving vehicle, such as transported containers or other goods, fallen trees and storm damage debris or animals. An incident of this kind can cause considerable damage and disruption to your residence. The safety and security of your home and family is essential in these situations. Some insurance companies are slow to react, leaving you with the task of securing your property and making your contents safe. Sabre can immediately assist you by handling the claim on your behalf, allowing you to relax. We will deal with all communications from your Insurance Company or its representatives, including attending site meetings. You will be updated throughout the claims process. Sabre Assessing can arrange for contractors, Chartered Surveyors and Structural Engineers to assist with the restoration process to quickly return your property to the pre-incident condition.
The Claim Process
Sabre Assessing are experts in managing insurance claims. We will ensure your claim progresses swiftly and efficiently. We will push for the claim to be validated promptly and ensure the claim moves swiftly, whilst always ensuring you are treated fairly and receive what you are entitled to. Let us do the hard work so you can concentrate on your family.
Domestic Leak, Flood & EOW Claims
Escape of Water (EOW) is a term used to define a water leak in a property. It usually occurs when there is a catastrophic burst or slow leak from the plumbing or heating system, which involves pipes, joints, appliances, or even faulty bathroom sealant. Flood damage is caused by events outside the property, such as a river bursting its banks or seawater breaching coastal defences. While flooding and EOW incidents can happen throughout the year, they are more common during colder and wetter months. This is when heating systems are switched on or when we experience periods of sustained rainfall. Often, many properties are affected during periods of bad weather; consequently, Loss Adjusters are slow to react. Remedial work must commence promptly to avoid secondary damage, such as mould growth. Once appointed, Sabre will ensure all appropriate actions are taken as quickly as possible, returning your home to pre-loss condition as soon as possible.
The Claim Process
Your Insurance Company will appoint a Loss Adjuster to validate your claim and verify you have complied with the conditions of your insurance policy. If the Loss Adjuster discovers you have not satisfied the requirements of your policy, they will try to either repudiate your claim or reduce any possible pay-out. It is important to remember that a Loss Adjuster is appointed to protect the interests of the Insurance Company, not the policyholder. By selecting a Loss Assessor, we can fight for what you are entitled to.
Commercial Fire Insurance Claims
A fire at your business premises can be catastrophic and even lead to your temporarily ceasing trading. The incident could even affect the long term stability of a company. Sabre is experienced in managing fire claims and will take the stress out of dealing with your Insurance Company. We will ensure disruption is kept to a minimum whilst the claim is being settled, allowing you to focus on running your business.
The Claim Process
Once you have made a claim to your Insurance Company, a Loss Adjuster will be appointed to investigate the claim. The Loss Adjuster is not independent; they represent the Insurance Company and wish to minimise any pay-out. They will attempt to repudiate the claim if the conditions of your policy have not been met. Your Insurance Company may appoint a Forensic Scientist to investigate the claim in an attempt to repudiate a claim. Any specialist instructed by your Insurance company to investigate the claim will not be independent.
Commercial Storm Insurance Claims
Storm damage at your business premises will not only affect your immediate trading but could affect your business plans long term. Sabre Assessing are specialists in dealing with storm damage claims. Once instructed, we will quickly gain control of your claim allowing you to focus on running your business.
The Claim Process
Once you have reported the claim to your Insurance Company, they will appoint a Loss Adjuster to examine the claim. If the Loss Adjuster feels you have not met the conditions of your policy, they could reject the claim. The Insurance Company retains the Loss Adjuster to protect their interests and minimise any pay-out.
The Loss Adjuster may attempt to argue you are under-insured; if successful, this will significantly reduce the value of your claim. Your Insurance Company may also appoint third party “specialists” to investigate your claim; they are engaged and paid by the Insurance Company. Sabre Assessing will represent you conducting all communication to ensure you are treated fairly.
Commercial Impact Damage Insurance Claims
If you are unlucky to experience an impact damage incident, your business will be seriously disrupted. Damage to the building and stock can be significant. In these circumstances, the welfare of your staff and the security of your premises will be your primary concern. Often Insurance companies are slow to react and provide the support you need.
The Claim Process
Sabre Assessing can manage the claim on your behalf, allowing you the time to focus on your business and employees. We will engage appropriate specialists and contractors to ensure your property is swiftly returned to the pre-incident condition. Once instructed, we will attend meetings with the Insurance Company or their representatives on your behalf, ensuring your restoration work is undertaken promptly, and you are treated fairly.
Commercial Leak, Flood and EOW Claims
Often minor pipe leaks remain undetected for long periods; this sort of leak can cause as much damage as a sudden pipe burst. All incidents where water damage occurs in your property will disrupt your business. Once the incident is reported, it needs swift attention to ensure no further damage occurs. Sabre can remove the strain, meeting Insurers representatives and dealing with Loss Adjusters to ensure your claim is settled fairly. Our experts will oversee all contractors so you can concentrate on your business.
The Claim Process
Upon making an insurance claim, your Insurance Company will appoint a Loss Adjuster. They will scrutinise your policy to ensure you have met the contractual obligations and that you are not underinsured. If the Loss Adjuster believes you have not met the terms of your policy, they will try to repudiate your claim or reduce the settlement figure. Loss Adjusters are not independent; they are paid by the Insurance Company and work on their behalf to minimise the amount they have to pay.
Business Insurance Claim Management
As a business owner, you will be focused on ensuring your business continues to succeed. So if you are unfortunate to experience an incident such as fire, flood or impact damage to your business, it can have a devastating effect on your business. Not only will you be dealing with damage to your property and possible stock, but you may also be forced to temporarily cease trading. This situation can be incredibly stressful. Further stress will be added by dealing with your Insurance Company and its representatives. Appointing a Loss Assessor will not only assist with the claim but will ensure your company will return to full trading as soon as possible. Using a Loss Assessor can also increase any settlement.
Sabre Assessing are experienced Loss Assessors; we will make the process as stress-free as possible by using us to manage your claim. We will ensure you are treated fairly, and your business is not left disadvantaged by the incident.
Broker Services
Property claims management can drain your resources and distract your core business. Claims are often rejected due to increasing scrutiny by the insurance company. By instructing Sabre to handle your claims management, we can help professionally manage the claims and remove the task from your workload. Our Claims Management service is designed to complement your systems. This benefit to you and your client is risk-free.
What Sabre Can Offer
- Arrange estimates and valuations, and quantify the full extent of the claim.
- Ensure your claim is presented correctly to your Insurance Company
- Assist with locating suitable alternative accommodation for your clients
- Arrange for interim payments if required.
- Undertake all communication with the Insurance Company and their representatives
- Organise restoration and reinstatement works
Managing Agents
Sabre Assessing offers a professional claims management service to provide you and your client with expert support from the instant we are appointed until the completion of the claim. We understand the need to advance the claim quickly whilst ensuring that correct protocols are followed. Communication with all parties is paramount, and we will ensure updates continue throughout the claims process. Our five-star claims service puts your client at the centre of our claims process without adding to their workload. The service is risk-free to you and your client and is free of charge in many cases. Allow us to deal with your Claims Management, leaving you to concentrate on your business.
What Sabre Can Offer
- We will provide a five-star Claims Management service to you and your client.
- Ensure your claim is correctly submitted to your insurance company
- We will arrange for the extent of your claim to be quantified correctly and obtain estimates and valuations.
- Assist with locating suitable alternative accommodation for your clients.
- Arrange for interim payments if required.
- Represent you and your client when communicating with the Insurance Company and their representatives
- Assist with calculating Business Interruption costs
- Organise restoration and reinstatement works
