Claim Specialists: Loss Assessors
Loss assessors play a crucial role in assisting policyholders throughout the claims process. As advocates for the insured, they provide guidance to ensure fair and timely claim settlements.
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During the Easter weekend, a holiday park in Brabant was rocked by a sudden power outage. The site was home to tents, campers, chalets, and permanent cottages – a mix of properties, some rented out, some privately owned. A total of 75 cottages were left without power, just as guests were getting ready to start their relaxing weekend.
The owner of the holiday park – who was also insured by our client – acted quickly. The insurer was called on Saturday morning and immediately contacted us, Woodgate & Clark. Within a few hours, an engineer was on site to restore the power supply. But the real work was yet to begin.
The power outage caused numerous central heating boilers to fail, as well as dishwashers, extractor hoods, and electric cookers. In many chalets – often not owned by the campsite owner – appliances were irreparably damaged. The preliminary damage amounted to €15,000, with the insurer raising serious questions: who is responsible, and should this be covered?
This is where we came in. Two weeks later, Woodgate & Clark was sent to the site. Woodgate & Clark took care of all communication, answered questions, and explained the procedure for handling the claims – fully in line with our principle of taking care of everything for the insured.
Each situation required a customized approach. Woodgate & Clark visited only the chalet owners who had reported damage and found that many of them owned similar appliances. Beneath the surface, a complex situation emerged: the campsite manager had taken immediate action, but most of the affected property was privately owned.
Woodgate & Clark handled communication with all parties involved and provided clear explanations of the steps to be taken, including the importance of reporting the damage to their own insurers. This made the process clearer and more manageable for everyone involved. At the same time, it remained a situation that required careful consideration – both practical and legal – with understanding and transparency being key.
Disclaimer: This article is based on a true story. To protect the privacy of those involved, some details have been changed or anonymized. The essence of the story and Woodgate & Clark’s approach remain authentic.
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