Insurance is complex. It is based on a contract, often with many underlying conditions and a duty of good faith and is designed to protect customers against defined risks.

Insurers have a duty to handle claims promptly and fairly, to provide reasonable guidance, not to unreasonably reject a claim and to settle claims promptly.

We are frequently consulted when this does not appear to have happened and when there is a lack of momentum.

Frequently claims have been rejected or significant losses denied. Scenarios encountered include

Sometimes the process breaks down when the policy is set up. The policy has not been explained or does not cover the risks required. Sometimes the process breaks down after a catastrophic event in the face of a significant loss. Remedies are available.

We can provide claims assistance as well as mediators and arbitrators.