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Oakleafe Claims


Insurance Claims can often be a very complex and time-consuming process that can also be devastating psychologically and economically. You may have many questions about the process and we have compiled a list of questions that some of our customers have asked in different stages of an Insurance Claim.

Frequently asked questions

I need to claim, what am I required to do?

It is your responsibility to prepare and present the claim - your Insurers are not obligated to do this for you. You may now realise that you have a huge task ahead of you to collate and justify every item or element that forms part of the insurance claim. This is a critical and time-consuming process. No matter what you believe or what you have been told you are NOT insured at all until your Insurer accepts liability for the claim. Only then can a claim progress to discuss a settlement. Without proper guidance this can be a minefield as you may unknowingly prejudice or severely affect your claim by simple words or actions to the insurance company.

What can I expect when I claim?

The insurer will appoint their own representatives called Loss Adjusters to look after their interests. Their first job is to investigate the validity of the claim and check the technical content of your policy for any adjustments to be made. They will concentrate on any conditions, exclusions or special requirements which are in the small print in order to reduce or repudiate (decline) the claim where possible. They may also rely on a forensic scientist or investigator to assist their enquiries.

Why do I need a Loss Assessor?

Everyone involved with the Insurers who attend your claim is working for them to protect their interests and not you. Would you go to court without a lawyer? Then why not have Professional representation on your side to ensure you receive your full entitlement too?! This applies to small or large claims. It is entirely your responsibility to collate and present your claim, which we can do in a professional manner for you. As Insurance Loss Assessors, we have vast experience in Insurance Claims Management and are able to handle all aspects including all communications, meetings and all the paper work dealing directly with your Insurance Company. We work with them every day and they are used to seeing our name on the claim files. We will take away the stress. We would also handle notifying the Insurance Company. A Loss Assessor is your Professional there for you every step of the way.

What will it cost me?

Loss Assessors operate on a success fee principle which is usually a small percentage of what they are able to achieve for you. They only get paid when they obtain funds from Insurers. This percentage is based on the size and complexity of the claim and is agreed between yourself and the Loss Assessor in advance. The fees are usually adsorbed many times over by the increase in settlement an Insurance Assessor can get for you.

If you have a domestic property and use our full suite of ancillary services for your entire claim there is no fee for what we do and our service is completely FREE. Click here to read more

How long will my claim take?

Every claim is unique and different in its own circumstances. The range of complexity can vary from claim to claim especially when dealing with a Business Claim which can lead to Business Interruption. Business Interruption is the process of calculating, preparing and presenting complex financial forecasts of a Business it would be missing out on if the Loss did not occur.

If you have any other questions then ask us below and we would be happy to answer them.

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Loss Assessors on Your Side

We understand the difficult circumstances you will be experiencing after a fire, flood or other incident. It can feel even more overwhelming when you realise that the Insurance claim process is complex and stressful. Use a Professional Loss Assessor such as Oakleafe Claims to take away the stress and manage your insurance claim allowing you to concentrate on the things that matter most, your family and business.



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.