Questions about
insurance claims

Yes. A denial letter is the insurer's position, not a ruling. We check the argument against the policy and the documents, and decide how to proceed.

We compare the assessor's report, the policy and the amount actually paid, and check what was deducted and on what basis.

The policy, the denial letter or payment notice, the assessor's report and your correspondence with the insurer.

Signing a release usually closes the claim. It is worth checking what it means before you sign, not after.

As soon as you receive a denial letter or a partial payment, or when handling is delayed beyond a reasonable time.

The assessment can be examined against the actual damage. We compare the items, the price lists and the assumptions behind the calculation and, if needed, obtain a second opinion.

It depends on the type of damage, the volume of documents and how much is in dispute. A well-documented case shortens the process; a dispute over coverage or the assessment lengthens it.

In a third-party claim we examine liability for the event and the extent of the damage. We gather records from the scene, the parties' details and professional opinions, and approach the insurer of the party responsible.

Every deduction must be explained and grounded in the policy. We compare the report with the payment item by item and ask for an explanation of every gap.

Yes. The decision rests on the ratio between the repair cost and the value of the car, and both figures can be checked.

Diminished value is a separate damage item. In many cases it is not included in the first payment and has to be claimed separately.

A claim that the sum insured is lower than the actual value of the property, so the benefit is reduced proportionally. It is checked against the policy wording and the proposal form you signed.

You can present a counter-assessment. The gap between the two assessments is a basis for an orderly discussion with the insurer.

Yes. Contents can also be proven with photos, records and other supporting documents.

The provider's responsibility and its arrangement with the insurer are examined together. Recurring damage is a sign the repair was partial.

That is a third-party claim alongside the building claim. Both are handled together.

It makes things harder, but it does not always block the claim. Professional reports and correspondence can serve as a basis.

A structured request with full documentation and a deadline is the first step. After that, legal proceedings are considered.

Yes. A third-party claim does not depend on you having a policy.

No. The division of liability is examined against the records and can change.

No. The agent handles your insurance portfolio and renewals. We step in when there is a dispute over cover, the extent of the damage or the amount paid.

Through one reporting channel and a fixed list of documents for every event, with consolidated periodic status reports.

It depends on what was signed and on the deadlines. Files closed with a release and discharge form are more limited, but they are worth checking.

Usually yes, subject to the policy terms. The driver's fault does not automatically exclude cover.

We can also manage the defense side with the insurer, alongside your own claims.

Usually two to three weeks, from mapping the insurance portfolio to an active reporting procedure.

Yes. The price list is not the final word, and the difference is checked against the work actually done.

It changes how the claim is handled, but it does not take away the right to be paid for what is covered.

Yes. Combining similar events allows one orderly move instead of dozens of requests.

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.