A fresh approach to Chartered Building Surveyors

At ARC we have many years working within the insurance industry and, as consultants, directly for insurers. This has led to us being experienced in understanding the processes involved in dealing with insurance reinstatements for all major perils including subsidence, fire, flood and escape of water.

Contrary to popular beliefs, insurers are there to help affected homeowners with empathy, providing indemnity appropriately to the level of cover under the policy. Insurers will often utilise experienced and knowledgeable suppliers in order to reach that objective. Unfortunately, sometimes due to exceptional circumstances and/or differing opinions, further support could be required. The policyholder is often allowed to instruct an independent building surveyor to act on their behalf to provide the necessary support and oversight of the reinstatements. Under the terms of the home policy, the fees (often worded as “professional fees”) forming part of the claim.

At ARC, we differ from claims assessors, who may want to involve their own suppliers which may then lead to protracted discussions and the associated unnecessary delays. We fully understand the challenges that can be faced for both the homeowner and the insurer, and in acknowledgement, we would only work alongside the insurer and their appointed suppliers, ensuring both parties are fully supported throughout the period of reinstatement. We find working with the appointed adjuster, their preferred surveyor and/or their approved panel contractor often provides the most optimum route.

If it is to simply assess cracks appearing for possible subsidence or working with your insurers and adjusters under one-off advice or day to day support, please give us a call.