Construction Accident Claims
The complexity of construction liability claims or construction defects that occur on job sites can vary from simple and straightforward to extremely complicated.
Partnering with a knowledgeable and experienced independent adjusting firm during claims investigation and damage evaluation all the way through settlement negotiations and claim resolution consistently brings significant value to the process and delivers a high return on investment.
In this blog, we will explore the valuable services ann independent claims adjusting organization provides to insurance companies and the important impact they can have during a claim that arises from a construction project.
Initial Investigation of Construction Cases
Upon first being assigned a case from an insurance company, an independent adjuster will promptly conduct an on-site inspection to evaluate and capture facts about the claim and assess the extent of bodily injury or property damage that has occurred.
During this process, the adjuster collects evidence, takes photographs, interviews witnesses, reviews accident reports, and other related information.
This information is critically important in determining whether a claim stemmed from contractor negligence, defective materials, poor site management, or unforeseen events.
Assessment of Liability & Damages for Construction Cases
Representing an insurance company, an adjuster determines which parties are responsible for a claim due to negligence or contractual obligations and also evaluates the extent of damages.
The thorough investigation of each claim is critical in the claims settlement process, as the adjuster’s findings will play a significant role in how much an insurance company ultimately pays to claimants on behalf of its insureds.
During this phase, an adjuster will secure detailed recorded statements from involved parties and pre-and post-occurrence witnesses, review construction contracts, safety logs, the site’s level of compliance with OSHA regulations, past OSHA violations, as well as established construction site protocols.
From these efforts, the adjuster can determine the scope and cost of the existing property damage repairs or bodily injury caused on the construction site.
Stakeholder Communication Coordination
Another important role of an independent claims adjuster working on behalf of their insurance company clients is stakeholder communication coordinator.
Acting as a conduit among insurers, contractors, project owners, and injured parties, the adjuster establishes productive communication channels with all stakeholders to keep the claim investigation and settlement process moving.
Documentation & Reporting Back to the Insurance Company
The final step an independent claim adjuster completes is the preparation and submission of comprehensive reports of their findings to the insurance company. These reports include discovery regarding the claim as well as a detailed liability analysis.
Using the findings of the investigation as a foundation, the adjuster provides numerous claim resolution recommendations to the insurance company.
Empathy Claims – A Dependable, Long-Term Partner for Independent Insurance Adjusting, Domestic & Globally
Since our founding in 1994, Empathy Claims’ sole focus has been providing outstanding independent claims adjusting and appraisal services for insurance companies and self-funded entities. Since our founding in 1994, Empathy Claims’ sole focus has been providing outstanding independent claims adjusting and appraisal services for insurance companies and self-funded entities.
Our team has extensive experience in the area of construction defect claims, as well as many other claim services.
Whether it be domestically or across the globe, our comprehensive investigations and analyses have successfully ensured that our insurance company clients pay only what they are responsible for per the terms of their coverage contracts.
Empathy Claims has built a solid reputation for identifying inflated or fraudulent claims, and our efficient business practices maximize efficiency, which streamlines the claim settlement process.
If you would like to learn more about how our knowledgeable team can become a reliable, long-term partner for your claims organization. Contact us today!