Services | the right claim

Therightclaim.com Ltd is the specialist in dealing with all property claims both commercial and domestic. We are also experts in business interruption losses resulting from an insurance claim.

We are available now to represent you if you need to make an insurance claim in your home or business.

We have claims experts ready to help you now for losses including:

Burglary
Fire (Individual Fire Damage Claim)
Storm
Flood
Escape of Water
Burst or frozen pipes
Impact damage
Subsidence or subsidence
Accidental damage or loss
Business interruption or consequential loss claims

Our role as an assessor is to protect your interests so that your needs are met and your claim properly realized and paid at its full level. We do this by:

Identification

We take the time to listen to you, properly understand how your claim is affecting you.
Use our experience and understanding of your insurance policy and more importantly, industry practice, to establish what your needs are and realize the full potential of your claim.
Our assessors will also take the time to explain the claims process to you, the roles of all parties likely to be involved but more importantly how your claim is likely to be settled by your insurers.
We believe that there is no point in pretending that we can solve every problem or sugar coat any inadequacy of your policy. We believe that the claim is YOUR claim and for you to be empowered and move from being a victim of the claim and your insurance company, you must know where you stand so that you and or your business can look forward and not be handicapped by the trauma that has impacted you or your business.

Preparation

It is important to know how your policy is written before a claim is prepared. Whilst it shouldn’t alter the subject matter of the claim, interpreting the policy correctly and ensuring that what is submitted doesn’t prejudice your claim in anyway is vital to the claims success.
Our assessors are skilled in properly quantifying all of your losses. Yes we may need input from you, but the hard grind of listing, costing and presenting is undertaken by our office and not left to a 3rd party.
We also have a dedicated support team that provides up to date valuations of your claim so that the level of claim will be close to the final settlement from your insurers so that there are no hidden surprises. You should never have to ask why?

Negotiation

There is an old expression that says, “Never accept the first offer”. This may have been true in the past, it is becoming less and less the case these days. Insurance companies have turned your claim into a process driven exercise. If the computer says “NO” then there is very little flexibility built in to the system or discretion given to the individual loss adjusters to negotiate.
Our stance is that if we have properly identified all of your losses, prepared them in accordance with the policy, properly supported and coasted your claim, there shouldn’t be too much need to aggressively negotiate your claim. However, that doesn’t mean your insurance company will play by the same rules!
This is where the day-to-day, year on year experience of dealing with insurance claims proves invaluable. Our assessors, to protect your position when it comes to negotiating your claim, use knowledge of industry practice, Financial Ombudsman rulings and FSA guidelines.
Each assessor has also undergone rigorous training in the art of negotiation and gets constant support from the in-house management team, who themselves are regarded as the leading negotiators within the claims industry.
Unfortunately, personalities can get in the way of your claim. Because of this, we actively monitor your claims progress at a managerial level with a view to avoiding these sorts of problems. If it happens we will ensure that the negotiations are not hampered by the parties involved and will have the negotiations undertaken by another assessor to protect your position.

Settlement

It is important to know that most policies will dictate how your claim is to be settled. As mentioned, most loss adjusters do not have the discretion to deviate from these rules.
Having identified your claim, prepared it in accordance with your needs, we would seek to ensure the settlement is on the basis that you require moving forward.
Insurers have forgotten that you bought their policy to protect you if something happened. Instead, insurers act as if they are perfectly placed to judge how you should continue to live or trade and recover. Your needs are paramount and not your insurers and as such we do all that is possible to ensure that the basis on which your claim is settled suits you and not insurers.

No insurance policy is the same and your claim is unique, and this means for Therightclaim.com to be most effective one of our assessors needs to be involved at the earliest opportunity. You should never wait for a problem to occur or to sense the injustice of your position. A lot of the time problems can be avoided, but much harder to address once you are part of a claims process designed to minimize an insurance company’s liability.

We have a claims expert ready to help you now throughout the UK. If you have a claim to make or are in the process of making a claim, call now on

0800 054 6767

And we will arrange for a free, no obligation visit to establish your needs and advise you on your claim. The choice to engage Therightclaim.com will always be yours, and we will always be honest in our assessment if we can add value.

In a survey of our past clients, they have indicated that they had received 35% more from their insurance claim by using us.

Our fees are based upon a percentage of the settlement we achieve on your behalf and only payable when your insurers release money. There are no hidden costs or upfront fees. The level of our fee will be discussed with you before you choose to engage us. However, it will never be more than 10% (plus VAT) of the settlement we achieve on your behalf.

It is important for you to realize that for our assessors to be most effective, do not wait until it is too late to call. When a problem arises, whilst it isn’t necessarily impossible to rectify, our aim is to avoid problems, make your claim progress more smoothly and avoid as much stress as possible.

We have often found when speaking to a claimant, that their claim is much larger than they realise and that they have more rights than they believe. As such we are always prepared and willing to arrange a no obligation meeting with you.

Unlike many assessors, we believe that your insurance company does want to pay; it is just that they don’t want to pay more than have too! As such we do all we can to identify your full losses and present them in a way that encourages your insurance company to pay.

We are up for the fight if a fight is necessary. In fact we have had several insurance company decisions overturned by the Financial Ombudsman Service to prove it. Unfortunately irrespective of the outcome, the only party that suffers from a fight is you, the policyholder. This can have a detrimental affect on you, your family and your business. So while we wont avoid a fight, we believe in standing up for your rights and presenting your claim professionally in a way that ensures that your insurance company willingly meets their obligations.

So if you have a claim to make, in the process of making a claim or not even sure whether you can claim, call us now for professional and partial advice on