Did you know that here at NQIB we have a dedicated claims team?
We take care of your claim from the start through to the end. Our claims services include:
Lodgement is the first and in some ways the key stage of your claim. It is important to understand the scope of your coverage when lodging your claim. Incomplete or inaccurate information at lodgement stage can often lead to a claim going off track, which may cause unnecessary delays and in some cases result in a disputed claims. At NQIB prior to lodgement we vet all information, check policy coverage and where relevant seek clarification of reports and circumstances.
2.Attendance at site with builders, assessors and other services providers
Another key stage of your claim is the initial onsite attendance by the insurers service provider that is why we are there with you. We are the expert in your corner and we utilise our thorough knowledge of policy coverage and claims procedures when discussion with insurers service providers focus on some of the more intricate matters that may arise during the assessment process.
3.Ongoing management of your claim
We remain involved in your claim right throughout the process, reviewing assessors/ builders reports and other documentation that arises during the assessment of your claim. We liaise with the insurers and their service providers to ensure the claim is assessed in a timely manner. Particular attention is paid to settlement offers to ensure they fairly represent your entitlements under the policy which includes any additional benefits that may be relevant to your claim.
4.Client advocacy and dispute resolution
Sometimes despite everybody’s best efforts agreement may not be reached with the insurer. At this point we become your advocate and provide expert representation should a dispute arise with your insurer. This includes representation during your insurers internal disputes resolution process and at external dispute resolution through the Australian Financial Complaints Authority should the matter proceed to this stage.
NQIB’s claims service is provided to our clients at no additional cost.
Many businesses only think about reviewing their insurances at renewal, however it is wise to review anytime where your business may be subject to change.
It goes without saying that 2020 has forced change upon many businesses. Have you been affected? Has your income changed? Have you sold or purchased equipment or other assets? Have you changed the way in which you structure your business or distribute your products and services?
If you have moved from cash to other methods of payment or have employees working from home you may be more at risk of a cyber attack. If you have reduced your staff but are engaging sub-contractors more you may have increased your liability exposure.
These are just a few examples of changes that may have impacted your business. What hasn’t changed is that we are here when you need us most.
For a free review of your insurances, please contact one of our broking professionals on 07 4755 6100.