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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

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.

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 

Oakleafe Claims on Google Reviews
Good work! Would recommend 100%
Vida Keturakiene
Oakleafe Claims on Trustpilot
Just want to say a very big thank you to OAKLEAFE they have been extremely helpful dealing with my claim.
Christina
Oakleafe Claims on Google Reviews
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 GROUP

London HQ

7, 9 Balgores Ln, Gidea Park, Romford RM2 5JS

Glasgow

4/2, Atlantic Chambers, 45 Hope St, Glasgow G2 6AE

Stoke

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

The Hague

Stoelmatter 30, 2292JL Wateringen, Zuid Holland, Netherlands

Dubai أوكليف

BIN DASMAL BUILDING, Al Goze Industrial First, Plot number 55-0, Land DM No 364-595, Office No 1-92, Dubai, UAE

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Get in Touch

[email protected] 0333 2101 999 HQ, 7-9 Balgores Lane, Gidea Park
Essex, RM2 5JR
The Oakleafe Group Limited which is authorised & regulated by the Financial Conduct Authority Registered Number 772068 as claim intermediaries and to administer client monies.
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