Claims Process

Read below about Oakleafe’s proven claim process for both commercial & domestic, that can secure the settlement to which you are entitled.

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GUIDE TO MAKING A

DOMESTIC INSURANCE

CLAIM

HEALTH & SAFETY

It is your responsibility to make your property safe & mitigate any further loss (stop things from getting worse). Legally, you are responsible for ensuring everyone entering the property is safe.

ALTERNATIVE ACCOMMODATION

Family & Pets are a priority. Find somewhere temporary to stay in that's convenient & comfortable. Also resource storage facility for chattels.

GET REPRESENTED

Engage Oakleafe Loss Assessors. We will handle the entire claim process and take the stress away. Consider the pitfalls if you don't.

CALL THE INSURANCE CO.

Most Insurance companies have a dedicated claim line, you need to tell them immediately about your loss. We can assist with this.

MEET LOSS ADJUSTER

The Insurance company will appoint their own representative called a Loss Adjuster to investigate the circumstances of the claim. They will then report back to their principles as to whether they should pay or not.

APPOINT A SURVEYOR

A Chartered Surveyor who is a specialist in Insurance Claims needs to produce a scope of the damage. Insurers will pay for this. The Surveyor will also oversee the reinstatement works.

APPOINT CONTRACTOR

Contractors should initially make any emergency repairs. Insurance works builders are niche. The cost of works will be met by insurers & overseen by your Surveyor. Major works will go to tender.

CONTENTS CLAIM

You need to prepare & present your claim for damaged items. This needs to be accurate, justified & provable.

CONTACT ACCOMMODATION

You now need to secure long term accommodation for the duration of works. This must be agreed with Insurers to cover the costs.

TENDER PROCESS

The reinstatement scope will go out to tender. The best value contractor will be awarded the works. A pre-contract meeting with surveyors will begin the reinstatement process & continue until completion.

HOME

You can now return home & a final claim is submitted to include all out-of-pocket expenses.

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GUIDE TO MAKING A

COMMERCIAL INSURANCE

CLAIM

HEALTH & SAFETY

It is your responsibility to make your property safe & mitigate any further loss (stop things from getting worse). Legally you are responsible for ensuring everyone entering the property is safe.

ESTABLISH A LINE OF COMMUNICATION

Divert all calls and notify customers, suppliers and staff of the circumstances that trade will only be temporarily disrupted.

NOTIFY LANDLORD

Notify the landlord immediately. They will need to be integrated into the claim process.

GET REPRESENTED

Engage Oakleafe Loss Assessors. We will handle the entire claim process and take the stress away. Consider the pitfalls if you don't.

APPOINT CONTRACTOR

Contractors should initially make any emergency repairs. Insurance works builders are niche. The cost of works will be met by insurers & overseen by your Surveyor. Major works will go to tender.

LIABILITY

You are not insured until liability has been accepted. Insurers may rely on forensic, investigation & other methods to see if they have to pay.

LOSS ADJUSTER REPORT

The Insurance Loss Adjuster will attend and report back to Insurers whether they should pay or not. They will also make recommendations to set a reserve amount aside. The claim cannot move on until liability is accepted.

ALTERNATIVE TRADING PREMISES

You have to try to keep trading whilst the reinstatement takes place. This may involve external production & moving your business to a temporary location.

INTERIM CLAIM

Assuming that liability is accepted, you should prepare & present an interim claim to give some capital to the business for wages, increased costs of works & temporary equipment.

APPOINT A SURVEYOR

A Chartered Surveyor who is a specialist in Insurance Claims needs to produce a scope of the damage. Insurers will pay for this. The Surveyor will also oversee any reinstatement works.

MACHINERY, STOCK & CONTENT

A complete inventory of all items damaged or lost should be compiled and costed. Accuracy of sums insured should be tested to establish correct values.

BUSINESS INTERRUPTION

The most complicated part of the claim. Losses which are historic & ongoing are calculated & presented to insurers. Losses going forward (projected) are also measured.

TENDER PROCESS

BUILDING WORKS

Works commence & are ongoing until completion ready for re-opening.

RE-LAUNCH

Communications & Marketing are now effected to notify all stakeholders of the return to business.

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Client Testimonials

Good work! Would recommend 100%

Vida Keturakiene

Just want to say a very big thank you to OAKLEAFE they have been extremely helpful dealing with my claim.

Christina

I cannot recommend Oakleafe enough.

Amy Byrne

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GET IN TOUCH MAKE AN APPOINTMENT NOW WITH ONE OF OUR AGENTS

If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.

Oakleafe Claims Headquarters

7-9 Balgores Lane, Gidea Park, Essex, RM2 5JS

Oakleafe Claims London

Midland Court, Victoria Road, Romford, RM1 2JH

Oakleafe Claims Midlands

Phoenix Works, 500 King St, Longton, Stoke-on-Trent ST3 1EZ

Oakleafe Claims Scotland

Ingram House, 227 Ingram Street, Glasgow G1 1DA

Oakleafe Claims Wales

12 Business Centre, 12 Cathedral Road Pontcanna Cardiff, CF11 9LJ

Oakleafe Claims N.Ireland

1st Floor, 31 Donegall Street Belfast, BT1 2FG

Oakleafe Claims Netherlands

Stoelmatter 30, 2292JL Wateringen, Zuid Holland, Netherlands

Oakleafe Claims UAE

Ground Floor, I Rise Tower, G17, Hessa St, Barsha Heights, Dubai, UAE

oakleafe claims uk, europe and uae coverage

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[email protected] 0333 2101 999 HQ, 7-9 Balgores Lane, Gidea Park
Essex, RM2 5JS

Oakleafe Claims Limited is an Appointed Representative of Oakleafe Group Limited which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Service Register (https://register.fca.org.uk/s/) under reference: 790564

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Claims Process

GUIDE TO MAKING A

DOMESTIC INSURANCE

CLAIM

HEALTH & SAFETY

ALTERNATIVE ACCOMMODATION

GET REPRESENTED

CALL THE INSURANCE CO.

MEET LOSS ADJUSTER

APPOINT A SURVEYOR

APPOINT CONTRACTOR

CONTENTS CLAIM

CONTACT ACCOMMODATION

TENDER PROCESS

HOME

GUIDE TO MAKING A

COMMERCIAL INSURANCE

CLAIM

HEALTH & SAFETY

ESTABLISH A LINE OF COMMUNICATION

NOTIFY LANDLORD

GET REPRESENTED

APPOINT CONTRACTOR

LIABILITY

LOSS ADJUSTER REPORT

ALTERNATIVE TRADING PREMISES

INTERIM CLAIM

APPOINT A SURVEYOR

MACHINERY, STOCK & CONTENT

BUSINESS INTERRUPTION

TENDER PROCESS

BUILDING WORKS

RE-LAUNCH

Client Testimonials

GET IN TOUCH MAKE AN APPOINTMENT NOW WITH ONE OF OUR AGENTS

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