Insurance Claims Management

Validation Process – Loss Adjuster involvement

James Gibb and our insurer, Protector, understand making claims under buildings insurance can be a stressful time for both property owners and those living within the properties.  As such we aim to make the process as straightforward and simple as possible.

New claims

You should report a new claim to your James Gibb regional office, who will arrange for one of our insurer’s approved contractors that covers your area, to attend.  The contractor will attend to review the damage and provide our insurers with a report, including details of the damaged areas, photos and costs.

Contractors

Our insurers will deal with the approved contractors, in terms of approving costs and settling invoices, less any policy excesses.

Please note you do have the right to use your own contractor as part of an insurance claim for damage to your property and you should speak directly to Protector to arrange this.

How claims are handled

Most claims are dealt with on a desktop basis by Protector’s in-house claims team. However, if a claim is of a high value or complex in nature, Protector may appoint a loss adjuster to oversee the claim.  The loss adjuster may attend the property to assess the damage along with the owner/occupier, relevant trades and if damage to common parts the Development Manager. Protector’s current preferred loss adjuster is Sedgewick. 

Sedgwick will oversee the claim, including (but not limited to):

• Appointing relevant trades including any specialist personnel required.
• Authorising repairs.
• Attending site to review any reinstatement progress.
• Reviewing invoices and any reinstatement work.
• Making recommendations to insurers regarding settlements or repudiations.

The role of a loss adjuster includes ensuring that:

• All costs presented are fair and true.
• The policy terms are being adhered to.
• Owners/occupiers are kept up to date with the progress of their claim.

James Gibb doing it the right way