Loss events in the area of “machinery, mechanical engineering and industrial plants” are often complex and require professional claims management with appropriate claims handling.
Claims management for damages
With experience on both sides - the insurer and the injured claimant - necessary measures can be efficiently initiated and effectively resolved in multidisciplinary teams.
Claims processing or claims management
In the overwhelming majority of cases, it is determined or verified:
- Causality of the damage / plausibility check,
- technical responsibility for the claim,
- Cause of damage and
- Damage amount.
As a publicly appointed and sworn expert, one is always the link between the insurer, policyholder, insurance brokers, rehabilitation companies and the client, provided that the latter is not identical with the insurer or policyholder.
Plausibility check / causality of the damage event
Of particular importance, especially on behalf of insurers, is whether the description of the damage is compatible with the technical investigations on site. This is another reason why an on-site visit after the damage has occurred is very important. Important information is lost in “audit on file” orders from insurers.
Cause of damage and technical responsibility
Determining the cause of damage is important for all parties involved. From this, the technical responsibility for the claim can be derived.
For this purpose, it is essential to carry out an on-site visit in the event of damage to machinery, industrial plant and equipment, if possible immediately after the damage has occurred.
Amount of damage
In the event of an insurance claim, the determination of the amount of damage is based on the insurance conditions, which are of course known to the expert. Decisive are, for example:
- AFB: Fire Damage / Fire Damage,
- AHB: Liability damage,
- AMB: Damage to stationary machines,
- ABMG: damage to mobile machinery and equipment,
- Damage in transit.
Experts may well arrive at different assessments of facts. Therefore, injured parties, usually the policyholder, should “consider” initiating expert proceedings, especially in the case of large claims (“major claims”).