Closed Claim
In this section the user of the secure login person can watch thier list of file
that have been closed.
In present professional practice it is alway desirable to make a very close vigil
for the files whic runs in step of contracdion we maintain our database for these
in such a manner that the secure user can understand / will be able to input some
positive out-come opinion / will be able to attached relevent article manual reference
e t c
Our professional were well eqipped to handle these files
"When a loss occurs and a Policyholder makes a claim, often a technical or practical
solution is sought to deal with what can often be an emotional issue - managing
Customer trauma. By understanding the emotional cycle of a claim, and Brokers can
prevent and substantially reduce the trauma suffered by many Policyholders.
When dealing with a claim, Loss Adjusters are required by the IISLA to behave
ethically and with integrity, whilst the Front Service Aadvisore demands that they
treat Policyholders fairly. we ensure that our Adjusters have the necessary
training to fulfil these obligations, but we go one stage further - we also provide
them with the tools to effectively manage Customer trauma, as we see this as a vital
part of the healing process for many Policyholders.
All of our Adjusters understand the emotional claims cycle and the role they play
at each stage to prevent or substantially reduce the trauma suffered by many Policyholders.
This approach has paid dividends and resulted in greater Client satisfaction and
increased business retention.
We faced these phases for these claims from the side of insured / it personells.
- Insured shows their limit of abilty to explain the details of the circumtances of
the incident or points of issues of the claim and tried to certified that the given
fact were true
- On rampage / ransack of the the given fact with recpect to the inspectorial data
, The points of DENIAL were start to appeared Denial' is the stage where the
Policyholder will say "I cannot believe this" or "This cannot have happened". Policyholders
are likely to have periods where they try to believe the loss never happened but
the horror hits them again and they slip back to the 'immobilisation' phase.
- Anger' will follow. "It's not fair", "Why did this happen to me?", "Someone must
be to blame!" are the comments and feelings expressed. Brokers will be only too
aware of the frustrated and angry Policyholders shortly after a loss.
- The Policyholder will go through the 'Bargaining' phase. The Policyholder is looking
for remedies. Coinciding with repairs being carried out or when the specification
is being agreed suddenly a new style kitchen or bathroom is required. The Policyholder
starts to see alternatives to deal with the change. With this knowledge the Loss
Adjuster can engage with the Policyholder to ensure a win-win bargain is agreed,
aiding the Policyholder's emotional recovery and facilitating repairs.
- The Policyholder may go through a period of 'Depression'. Whilst not clinically
depressed, it will seem to them that nothing will ever get better. The repairs seem
to go on for ever. It is vital at this point that the Loss Adjuster manages expectations
by staying in touch and being one step ahead of potential problems, making sure
that any issues which do arise are promptly addressed and remedied. Our Adjusters'
role is to win the Policyholder's confidence and engender trust that they are there
to help and that they will work with the Policyholder to find solutions to any problems
encountered.
- To recover from the 'depression' phase the Policyholder will start to 'Test' the
situation. They will start to look at ways they might adapt to living in the home
once it has been restored.
- Finally there will be 'Acceptance'. At this stage the Policyholder will take ownership.
Interestingly, when the claim is concluded, an Adjuster often witnesses the Policyholder
suddenly taking full control, demonstrating that they no longer require outside
support and guidance. Suddenly they are liberated from the loss.