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Home Insurance Claims
A disaster in your home can leave you feeling shaken, vulnerable and overwhelmed. Haggling and hassling is the last thing you need at a time like this.
As soon as you contact us we will help you quickly assess the damage and secure your home if necessary. We will then do everything in our power to speed up the process and recover your losses as quickly as possible.
What to do when disaster strikes
Storm
After you’ve made sure that all occupants are safe, and switched off all utilities to prevent further damage, contact us.
We’ll give you step by step on how to proceed in order to get full compensation from your insurers.
Fire
Make sure to do as much damage control as possible to prevent your insurance company from holding anything against you.
Call us as soon as you have the opportunity so we can advise you on how to gather the right evidence to support your claim.
Flood
First take the necessary steps to prevent further damage; such as ensuring the water source is turned off and all electricity is safe.
Then call us so we can assess the true extent of the damage and determine if any emergency works are required. We will then guide you through the process and help you start the claims process.
Subsidence
If you notice cracks wider than 3mm appearing on your property, floors that are dropping, or windows don’t open and close properly. You're likely suffering from subsidence.
Call us so we can help you monitor/assess the damages and advise you on the best course of action.
Theft
Make sure to contact the police and notify your insurers as soon as possible. Delaying these steps may cause your claim to be invalidated.
Get in touch immediately after you’ve secured your points of entry, to ensure the best outcome for your claim.
What to do when disaster strikes
Flood
First take the necessary steps to prevent further damage; such as ensuring the water source is turned off and all electricity is safe. Then call us so we can assess the true extent of the damage and determine if any emergency works are required. We will then guide you through the process and help you start the claims process.
Subsidence
If you notice cracks wider than 3mm appearing on your property, floors that are dropping, or windows don’t open and close properly. You're likely suffering from subsidence. Call us so we can help you monitor/assess the damages and advise you on the best course of action.
See what our customers say
It’s this easy to work with us:
You’ve got nothing to lose and plenty to gain
Tell us about the disaster you've experienced and the losses incurred. We'll give you immediate support and advise you on how to proceed.
Send us the relevant documents and sign the mandate. We'll get to work quickly and handle everything on your behalf.
Get what's rightfully yours and get back to business. We’ll be at your side from start to finish.
Have any questions?
Dealing with an insurance claim after a disaster be very confusing.
At Knights, we welcome your questions and strive to give easy, clear answers.
Check out the FAQs, and if you don’t find what you’re looking for, don’t hesitate to get in touch.
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.
After the initial crisis has passed, you will want to consider what else has gone wrong, but your insurance company will try to get out of paying you what you truly deserve.
Here is where a loss assessor comes in. He will work for you. He will research and calculate and organise all the relevant information in order to maximise your rights within your policy.
You call yourself a Loss Assessor. So, what is a Loss Adjuster?
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.
Will my insurance company be opposed to me hiring a Loss Assessor?
Loss Assessors can only help you claim what is legally yours as detailed in your insurance policy. Not a penny more!
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. How can a Loss Assessor help?
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 under-insured, 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 he uses a Loss Assessor at the earliest convenience.
Do I need a loss assessor for a small claim?
Of course, with bigger claims, the need for a Loss Assessor intensifies. However, with any size claim, besides bringing you your money quickly, a Loss Assessor will spare you lots of headache and aggravation, leaving you free to continue with your daily life.
There are many loss assessors who will not bother with small claims because there is not much money in it for them. We at Knights treat every claim with equal importance because we believe that every claimant should get every penny they deserve.
At what point should I involve a Loss Assessor?
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 in order to gain your trust, but it is worth remembering that they are seeking 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?
No. rest assured: If it's yours by rights – it will happen through knights.
