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We make sure to answer every question that comes our way.
We believe in transparency and want you to be as clear as possible about our services before you pass over the reins and let us bring you the money you deserve. After all, we are only here to help you.
I pay good money for an insurance policy. Why shouldn’t they handle my claim?
You may receive support from your Insurance company immediately after filing a claim. They will offer financial assistance in a situation of urgency and cover for serious damage or loss.
However, after the initial crisis has passed, you will want to consider what else has gone wrong, but your insurance company may see things differently. They are a business, after all, with their own interest to protect.
Here is where a loss assessor comes in. They will work for you. They will research and calculate and organise all the relevant information to maximise your rights within your policy.
My insurer sent down a loss adjuster. How is that different than a Loss Assessor.
In essence, Loss Assessors and Loss Adjusters do the same work. They are both professionals that manage insurance claims.
There is, however, one significant difference. The Loss Assessor is employed by and works for you, so they will try to get you the best possible settlement figure. The Loss Adjuster is employed by and works for the insurer, so they will endeavour to bring the lowest figure.
There’s just been a fire at my business, how do I claim?
At the first available opportunity, you will need to take stock of the damage. It is important to do so for insurance purposes. Take photos or video of the scene and make a list of all damaged property. If you haven’t done so yet, contact your local authorities to file a report since insurance companies may penalise you if they believe you weren’t safe enough.
Once you have a list of all damage, you can contact your insurers to let them know what has happened. They will likely send loss adjusters to assess the damage for themselves, though it may take a while for them to come down to your business. If you want to get the process of making an insurance claim started straight away, your best option is to use a loss assessor. Not only will the assessor make sure you get your compensation as soon as possible, but they will also take over your claim so you can get back to business without the stress of dealing with your insurers.
Will my insurance company cover my entire business fire claim?
Insurance claims can be complex, especially if your business is underinsured. In the event of a business fire, it's important to work with a loss assessor to document all of your losses and help substantiate your claim.
At Knights, we use our expertise and know-how to get you the highest settlement for your claim. Otherwise, you may find that you aren’t too happy with the compensation your insurance company is offering you.
Will my insurance cover my entire business flood claim?
There's no simple answer to this question, as it depends on a number of factors, including the type and amount of insurance you have, the value of your claim, and the specifics of your policy.
However, it's important to be aware that some policies may not cover the full value of your claim if you are underinsured.
In every case, you may want to consider hiring a loss assessor to help you determine the full value of your claim and negotiate with your insurer.
How can a loss assessor help me with my business storm insurance claim?
A loss assessor can help you get more money from your insurance company by using their expertise in the field to provide an accurate and detailed assessment of the damage done to your property.
They also have experience in dealing with insurance companies and know how to get the compensation that the policyholder deserves.
If you are trying to claim for the damage a storm has caused for your business, using loss assessors like us at Knights will not only allow you to get more money for your claim, but it will also speed up the process and reduce the amount of stress you experience while you are trying to go back to business as usual.
Will my insurance cover my entire business theft claim?
It depends on your insurance policy. Some policies will cover the entire claim, while others will only cover a portion of it. If you're underinsured, you may run into problems.
Either way, a loss assessor can help you determine the value of your lost goods and file a claim with your insurer to ensure you get the highest possible settlement according to your policy.
Will my insurance company pay for everything that got damaged by the fire in my home?
Loss assessors will do everything they can to ensure that you are compensated for each item damaged unless you are underinsured.
While the loss adjusters will try to reduce the amount of money you get because they represent your insurance company, it is our job as loss assessors to fight that.
If your clothing has been damaged by fire, smoke or soot, it is important that you get the right valuation for the clothing, and if your insurance plan is to get new for old, you should not be paid for only second-hand value.
It is also important to ensure that your insurance company doesn’t pay you supermarket brand prices for designer clothing.
Will my insurance company pay for everything that got damaged by the flood in my home?
Loss assessors will do everything they can to ensure that you are compensated for each item damaged unless you are underinsured.
While the loss adjusters will try to reduce the amount of money you get because they represent your insurance company, it is our job as loss assessors to fight that.
In rare cases, we may not be able to get you the full compensation for water-damaged clothing.
We will ensure that you receive compensation for electronics, even if the loss adjuster says it will work when it dries. It won’t! In addition, we will negotiate compensation for electronics damaged by the flood despite not being touched by water- an increase in humidity may have caused them to malfunction.
Why use a loss assessor for storm insurance claims?
There are many reasons to use a loss assessor for storm insurance claims.
First and foremost, using a loss assessor will get you more money. A qualified assessor understands the insurance claim process and knows how to get the most money from the insurance company. They have experience negotiating with insurance adjusters and know what to look for when assessing damages.
Second, using a loss assessor is easier and faster than doing it yourself. The assessment process can be complicated and time-consuming, especially if you don't know what you're doing.
A good assessor will take care of all the paperwork and negotiations for you, so you can focus on getting your life back together after a storm.
How do I know if the cracks in my home are caused by subsidence or something else?
If you're seeing cracks in your home that weren't there before, it's important to determine the cause as soon as possible. Cracks can be caused by a number of things, such as subsidence, foundation problems, or expansion and contraction due to weather changes.
The best way to tell whether a crack is caused by subsidence is to measure its width. Cracks caused by subsidence are generally more than 3mm wide.
Cracks visible inside and outside your home are a strong indication of subsidence. You can also look for cracks near doorways and windows; these areas are particularly vulnerable to subsidence.
Can I be sure that hiring the services of a Loss Assessor like Knights will bring me a larger settlement figure at the end of the day?
Satisfied clients who constantly recommend associates and friends and a very high rate of repeat customers are proof that, in the vast majority of cases, we present our clients with a way better deal than they can manage on their own.
Additionally, in the unlikely event that we cannot do more than match your settlement figure, it can be argued that the time and hassle we save you by handling your claim on your behalf is also of immeasurable value. You get to crack on with your daily routine at home and in business, and our expert team manages the stressful negotiations, bringing you results at a speed you certainly cannot achieve on your own.
My business has been flooded, what should I do?
If your business has been flooded, your top priority should be to switch off the water source.
Once the water is turned off, depending on the severity of the flood, you may need to send employees home or tell them to stay away from the office. If applicable, you may want to consider having them work from home until the flood is cleared.
If your business premises are open to customers, you'll need to let them know about the flooding and whether or not you're still open for business.
You may also want to consider offering refunds or discounts for customers who were inconvenienced by the flood. Your insurance may compensate you for this, depending on your insurance policy.
Call your insurance company and let them know what happened. They will send a loss adjuster to assess the damage. For the highest settlement for your claim, contact a loss assessor to take over the claim for you.
How should I make a claim from my insurance for water damage?
If you have insurance, contact your insurer to let them know you have suffered flood damage to your home and ask how to proceed. Unless your claim is really small, they will send you a loss adjuster to assess the damage to your home.
It is advisable to contact a loss assessor before making this call to ensure that the loss adjuster's analysis is accurate.
As loss assessors, Knights understands how valuable it is to meet you before a loss adjuster visits your home, so even if we can assist you without an initial meeting, the sooner you call, the better.
My business operations have been interrupted. What should I do now?
If your business operations have been interrupted, it's important to take some immediate steps to protect your interests.
First, check your insurance policy to see if you're covered for business interruption. If you are covered, contact your insurer as soon as possible to start the claims process.
If you want to have a speedy process that is stress-free and gets you the best compensation, work with a loss assessor.
If you're not covered by insurance, you should still contact a loss assessor. They may be able to help you get around it. A loss assessor can help you estimate the financial damages caused by the interruption and determine if there is a way to get you compensated.
What is business interruption insurance?
Business interruption insurance protects your company from financial losses in the event that your business is shut down temporarily due to a covered event.
This type of insurance can help you pay for things like rent, employee salaries, and other necessary expenses while your business is closed. In some cases, business interruption insurance will cover your loss of potential profit too.
Some common events that can trigger a business interruption policy include fire, theft, vandalism, natural disasters, and power outages.
Make sure to review your policy carefully to see what is and isn't covered. Be sure to talk to an insurance agent about adding business interruption coverage to your existing policy.
Is it expensive to make a claim for a storm through a loss assessor?
Loss assessors are professionals who will help you document the damage to your home and submit a claim to the insurance company.
At knights, we work on a contingency basis, meaning you only need to pay if you receive money from the insurance company through our help. So there is no risk in hiring our services.
How should I make a claim from my insurance for water damage?
If you have insurance, contact your insurer to let them know you have suffered flood damage to your home and ask how to proceed.
Unless your claim is really small, they will send you a loss adjuster to assess the damage to your home.
It is advisable to contact a loss assessor before making this call to ensure that the loss adjuster's analysis is accurate.
As loss assessors, Knights understands how valuable it is to meet you before a loss adjuster visits your home, so even if we can assist you without an initial meeting, the sooner you call, the better.
Is it expensive to make a claim for a storm through a loss assessor?
Loss assessors are professionals who will help you document the damage to your home and submit a claim to the insurance company.
At knights, we work on a contingency basis, meaning you only need to pay if you receive money from the insurance company through our help. So there is no risk in hiring our services.
Will my insurance company pay for everything that was damaged in the storm?
It depends on your specific insurance policy, but typically insurance companies will reimburse you for damages caused by severe weather.
However, it's always a good idea to use a loss assessor to ensure that you receive the full amount of compensation you're entitled to.
Additionally, if you're underinsured, your insurance company may only pay out a portion of the damages.
I'm a successful businessperson with my finger on the pulse. Can't I trust myself to supervise my claim without costly help?
Handling a insurance claim is not simply a matter of business savvy or common sense. It's an extremely complex process with a multitude of laws and regulations. Unless you've had the experience of dealing with insurance claims on multiple occasions, then chances are you are not very well versed in the intricacies, legalities and ins and outs of insurance claims.
Will my insurance company be opposed to me hiring a Loss Assessor?
Loss Assessors can only help you claim what is legally yours as specified in your insurance policy.
You have the right to be equally represented in your claim. Your insurance company will surely hire a Loss Adjuster to make clever negotiations on their behalf; it is only fair that you be allowed a Loss Assessor to work out the best possible arrangements for you.
My insurance company says that I am underinsured. Can you still help me?
If you are underinsured, it means that you are not insured against the full value of possible loss or damage. The question of ‘under-insurance’ is not clear-cut. It is difficult to assess accurately whether a property or business is underinsured and by how much because there is no right or wrong figure when calculating the value of assets. This can seriously affect your claim.
Loss Adjusters (who work for your insurance company) use various tactics to prove that a claimant is underinsured, hoping to decrease the settlement figure drastically. In contrast, the Loss Assessors will provide evidence of adequate insurance cover.
If a claimant is worried about underinsurance, it is essential that they uses a Loss Assessor at the earliest convenience.
How can Knights Claims Consultants help me with my insurance claim for a flood at my business?
A loss assessor can help you with your insurance claim for a flood by doing the following:
- Determining the full extent of the damage caused by the flood.
- Advising you on what items are covered by your insurance policy and what items are not.
- Determining whether or not you are eligible for any additional compensation from your insurance company.
- Negotiating with the insurance company on your behalf to ensure that you receive a fair payout for your claim.
- Arranging for all necessary repairs to be carried out as quickly as possible so that you can get back to business as soon as possible.
- Dealing with all the paperwork associated with filing a successful insurance claim.
Why should I use a loss assessor to help with my business interruption claim?
When a business suffers a disruption, it's crucial to take swift and effective action in order to minimise the damage.
Not only is it necessary to get your business back up and running as soon as possible, but you'll also need to assess the financial losses that occurred as a result of the disruption. That's where a loss assessor comes in.
A loss assessor can help you compile an accurate and detailed record of the losses your business incurred as a result of the disruption. This information can then be used to file a successful insurance claim. By working with a qualified and experienced loss assessor, you can ensure that you receive the full compensation you deserve for your lost business income.
At Knights, we work hard to provide guidance and support throughout the claims process, ensuring that you receive the compensation you deserve.
There has been a storm at my business. What should I do?
Make sure to assess and record all the damage to our premises and record the steps you took for safety.
You may need to prove to your insurance company that you tried your best to prevent further damage. This may mean boarding up windows, tarping over damaged roofs, or taking other steps to secure the premises.
In the meantime, contact your insurance company and start the claims process. They will likely send an adjuster to survey the damage and help you determine what needs to be repaired or replaced.
If you want the help of a loss assessor to guide you through the process, it is best if you contact them even before you contact your insurers. They will help you make your claim and ensure that you get the highest compensation faster than if you would do it yourself.
How can a loss assessor like Knights help me with my fire claim?
First, a loss assessor will ensure that you are in appropriate alternative accommodation, if necessary.
If you have already made a claim with your insurance company and your loss adjuster has advised you to go to a smaller accommodation until your home is reinstated and ready for you, you can still claim on the difference in price for a larger accommodation by using a exert loss assessors, like us at knights.
Dealing with an insurance company without a loss assessor for a fire claim usually means waiting more than a year for your settlement.
As loss assessors, we at knights will also negotiate with your insurers, ensuring that they accurately assess the damage and give you the highest possible settlement in the shortest amount of time.
How can a loss assessor help me with my water damage claim?
As loss assessors, we will first contact a company (acceptable to your insurance company) that can help to repair the damage to your home.
If necessary, we will also call an electrical contractor to help with the electrical damage caused by the flooding.
In the event that your home is so badly damaged that you cannot live there anymore, we can assist you in finding temporary accommodations until your home can be repaired.
We will also negotiate with your insurers, making sure that they have an accurate assessment of the damage and give you the highest possible settlement in the shortest amount of time.
What should I do if my home has been damaged by a storm?
Call your insurance company to make your claim, providing the full details of the state of your home.
Many insurance companies will not cover damages that are not reported within a certain timeframe, so it's important to act quickly.
To get your best chances at making the most money for your claim, you should call a loss assessor, like Knights, as soon as possible.
What is subsidence?
Subsidence is the gradual or sudden sinking of land surfaces. The most common cause of subsidence worldwide is the extraction of groundwater and oil, which leads to a decrease in the amount of water or oil supporting the surface layer.
Subsidence often causes significant damage to homes, businesses, and other infrastructure. When a house starts to sink, it can be an absolute horror for the homeowner. Not only is the house uneven, but it can also cause extensive damage.
This is because as the home sinks, the foundations weaken and start to crack. This can eventually lead to the entire structure of the home collapsing.
As soon as you see cracks appearing in your home, It's important to resolve the matter as quickly as possible because it can cause significant damage to your home and your wallet.
At what point should I involve a Loss Assessor like Knights?
It is in your best interest that the Loss Assessor is contacted at the very beginning. This will ensure that the Loss Adjusters will not mislead you into saying or doing something that can weaken or even invalidate your claim.
The loss adjusters act friendly and helpful to gain your trust, but it is worth remembering that they seek to satisfy their employers (the insurance company) by saving them as much money as possible. By hiring a loss assessor at the start of your claim, you avoid being taken advantage of just because you lack the knowledge of the tricks of their trade.
It is also possible to hire a Loss Assessor further along the road. Often a claimant starts out on his own but then notices that the insurance company is either delaying the claim or trying to shirk its responsibilities. The Loss assessors can still be appointed, but executing the claim to everyone’s satisfaction will be a little tougher than necessary.
In the event that a loss Assessor is only hired after a claim has been rejected by the insurance company, overturning the verdict is a complicated affair, but competent Loss Assessors can accomplish a reversal for a raised commission.
I do not have insurance at all. Can you help me nevertheless?
The short answer is no.
However, if it can be proven that there was a third party who was responsible for the damage and that they were negligent in some way, we can pursue a claim on your behalf.
Will you charge me for your work if my claim is rejected/not paid?
Our fees are subject to the success of your claim, and we will not charge you if your claim is unsuccessful.
How can a loss assessor help me with my insurance claim for a fire at my business?
A loss assessor can help you with your insurance claim for a fire by handling all the paperwork and negotiations with the insurance company on your behalf. This will allow you to focus on getting your business back up and running as quickly as possible while leaving the complicated financial negotiations to someone who knows what they're doing.
Additionally, hiring a loss assessor is almost always more cost-effective than trying to do everything yourself. Most loss assessors offer a no-win, no-fee policy, which means that you don't have anything to lose by hiring them. So if you've been affected by a flood, it's definitely worth considering hiring a loss assessor to help you get through this difficult time.
Will my insurance company pay for everything that was damaged in the storm?
It depends on your specific insurance policy, but typically insurance companies will reimburse you for damages caused by severe weather.
However, it's always a good idea to use a loss assessor to ensure you receive the full compensation you're entitled to.
Additionally, if you're underinsured, your insurance company may only pay out a portion of the damages.
What should I do if there's been a theft at my business?
First and foremost, it's important to report the burglary to the police as soon as possible. You'll get a crime reference number, which you'll need in order to make an insurance claim.
You should also take steps to secure the point of entry and prevent any further burglaries from taking place. This may involve installing a security system or changing the locks on your doors.
You should also look around carefully and make a list of everything that was stolen. This will be important for insurance purposes. You should then call your insurance company and let them know what happened. They will likely send out a loss adjuster to determine the value of the lost property.
Note: It is best if you contact a loss assessor to help you get the highest settlement for your claim.
How do I make a claim for business theft?
If your business has been the victim of theft, you will need to take some specific steps to make a claim. The first thing you should do is contact the police and file a report. This will give you an official document that can be used as evidence in your insurance claim.
Next, you will need to gather all of the documentation that you have relating to the theft, including receipts, invoices, and any other records. You will then need to contact your insurance company and submit a claim. Be sure to include all of the documentation that you have gathered. The insurance company will likely require an investigation, and they may even send out their own adjuster to assess the theft.
If you want a smooth and hassle-free claims process, contact a loss assessor to help you deal with the claim. Loss assessors, like us at Knights, use years of experience and legal know-how to take over your claims and get you the best compensation for the theft.
What do I need to do before calling my insurance company for a fire claim?
As soon as the fire has been doused, pretend as if you don’t have insurance and involve yourself completely in damage control. Call a damage control company to ensure that your house is as safe as possible. If your house is not inhabitable, go to a reasonably priced hotel and don’t worry about the cost at this stage.
What do I need to do before calling my insurance company for a burst pipe?
Start by turning off the stopcock, which is the tap containing the main water supply for the entire house, usually under the sink. When you live in an apartment building and you are not in control of the mains, contact your landlord or apartment manager right away.
It is also a good idea to shut off all nearby electricity to prevent further damage.
Insurers will look for ways to blame you for the damage, so you should do everything you can to minimise the negative effects of your loss.
To maximise your chances of a successful claim, you should have a loss assessor by your side. When a loss assessor calls the insurer on your behalf, the insurer will send their loss adjuster much faster, and the process of claiming will be so much easier.
A loss assessor will also ensure that the loss adjustor’s analysis of the damage to your home is accurate.
You should also hold onto any items that the flood has damaged. If your loss adjuster doesn’t see it, your insurance company won’t pay for it.
My house is sinking. What should I do?
If you think your house is sinking, you should contact your insurer. They will be able to determine whether or not the issue is subsidence and advise you on what to do next. Depending on the extent of the damage, you may be eligible for repairs, replacement cost coverage, or even a total loss payout.
Of course, it’s best to get the help of a loss assessor as soon as possible to jumpstart the claims process and ensure that you get the best settlement for your claim.
How can a loss assessor like Knights help with my subsidence claim?
Loss assessors, like us at Knights, can help by reducing the amount of money, time, and stress that is involved in making a subsidence claim. First, an assessor can help to determine whether or not a claim is valid and worth pursuing. This saves time and energy in making a claim that may not be successful.
Second, an assessor can often speed up the claims process by working with insurance companies and other parties involved. This reduces the amount of time spent waiting for a settlement. Finally, an assessor can help manage the negotiations and paperwork involved in a subsidence claim. This takes away some of the stress associated with making a claim.
