Building, equipment, stock and business interruption. In a major event the gap usually forms in the assessment, in the stock valuation and in deductions that repeat from claim to claim. We review the policy and the figures behind the payment.
Building, equipment and stock insurance. In a major event the dispute is usually about the extent of the damage, the value of the stock and business interruption losses.
A wear-and-tear deduction, a parts price list or a garage difference. In a single file it looks negligible. Across hundreds of events it is a budget line.
The action requiredWe map the reduction pattern across events and set it against the policy wording, instead of arguing file by file.
Downtime days, a replacement vehicle and lost output are not part of the assessment, and so they are not part of the claim either.
The action requiredWe document the downtime period and the actual loss, and include them in the claim as a separate damage item.
Third-party claims and open files that close without follow-up, because nobody holds the full picture.
The action requiredOne intake channel for every event, with a central status that shows what is open, what is stuck and what is closed.
A short scoping call and a map of your existing insurance portfolio. Your agent stays in place. Only who manages the disputes changes.
Schedule a callA review of the policies, the arrangements and the current procedure.
A single intake point for every event, with a fixed list of documents.
Dealing with the insurer in every file.
A consolidated status: files, amounts and trends.
The initial stock valuation did not reflect the actual inventory. Orderly supporting documents changed the scope of the benefits under discussion.
In business files the loss builds up from the same reductions repeating across many events. These are the points checked routinely in every file that enters the channel.
A blanket deduction for wear and tear. We check whether it is grounded in the policy and proportionate to the part that was replaced.
A gap between the price list the insurer uses and the actual cost of the part, including original and alternative parts.
A reduction on the grounds that the repair was done outside the arrangement. We check the right to choose and the terms of the arrangement in the policy.
Operational damage that is not part of the assessment. It requires records of the downtime period and of the actual loss.
Files that open and close without follow-up. Bringing them together allows one orderly move instead of individual requests.
A claim for reimbursement from the party responsible for the damage. In fleet files this is a significant source of recovery that is sometimes left unused.
The office is in Tel Aviv and manages claims for companies and organizations from every region, with all insurers and in every court district.
Starting does not require an in-person meeting. A short call and a map of your existing insurance portfolio are enough to set a procedure.
Leonardo da Vinci 14, Tel Aviv · 077-444-7050
Three representative cases from our ongoing dealings with insurers. The descriptions are general and do not identify any client.
The situation
Each file on its own looked reasonable. Only when the events were combined did it become clear that the same deduction repeated across hundreds of claims.
What was done
Mapping the pattern against the policy wording allowed one orderly move instead of dozens of separate requests.
The situation
The denial relied on an exclusion in the commercial policy that did not fit the actual circumstances of the haulage.
What was done
The bills of lading and route records were set against the exclusion, and the file was sent back for a review on the merits.
The situation
Payments arrived according to the insurer's price list, with a consistent gap against the work actually done.
What was done
A systematic comparison between job cards and payments exposed the gap and put it up for discussion.
The descriptions are general and do not identify any file or client. The outcome of one case does not indicate the outcome of another.
The loss of income during the period in which the business is not operating, subject to the relevant policy annex.
The claim is checked against the sums insured that were set and the proposal form that was signed.
Usually yes. A counter-assessment is a basis for an orderly discussion about the extent of the damage.
A short call, a map of your existing insurance portfolio, and an agreed working procedure.
Schedule a call