Fast handling of claims and damages in an emergency situation


Rapid claims handling is crucial for all parties and significantly reduces the subsequent claims costs.
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Denmark once again experienced an extreme rainfall in the summer with the subsequent water chaos, experienced by many companies and individuals. The damages from extreme rainfall is more frequent and more violent in scope than before.

The extreme rainfall naturally resulted in a very extraordinary number of inquiries in a very short time – and of course, most insurers are not geared to it.

In that situation, there are many insurers that use Cunningham Lindsey to solve the tasks quickly and professionally. It places great demands on the company’s competencies:

There was a need for a high level of preparedness in an emergency situation, where many different skills and experts had to be brought into play in relation to the current needs of many customers. There was a need for great flexibility in relation to the customers’ need for new and changed requirements for help. Many different tasks were solved in relation to the acute situations – both Loss Adjusting tasks, claims processing and others.

FAST HELP AND DAMAGE

Rapid claims handling and help to lift a large burden of insurance companies in an acute situation like extreme rainfall is crucial for all parties and significantly reduces the subsequent claims costs.

Of course, a decisive factor for great customer satisfaction and loyalty is the speed of handling the claims in such an extreme situation rather than long waiting times.

QUALITY AND CORRECT TREATMENT OF CASES

It is absolutely crucial to get the proper assistance to the damage – both for the sake of injury, but also to customer satisfaction – and the clients emphasize the high professional competence of Cunningham Lindsey Nordic

PERFORMANCE OF TIME LIMITS

The quality of claims processing is very important, but so is keeping time limits. In an acute situation, of course, the companies do not have the opportunity to comply with the normal quality targets for claims processing in respect of time limits. The use of Cunningham Lindsey’s skills and resources has helped to better meet deadlines without compromising quality.

 

 

 

Appoint your Loss Adjuster before the damage happens


There are several advantages to appointing a Preappointed Loss Adjuster.
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Major insurance customers and their brokers have a decisive influence on who their insurance company designates as Loss Adjuster. When a possible claim is handled, there may be major benefits associated with the Loss Adjuster being already put into the policy as a Preappointed Loss Adjuster before the damage occurs.

Preappointed Loss Adjuster

The Loss Adjuster is often connected to the case some time after the damage has occurred. However, it is actually possible for larger companies and insurance brokers to appoint a fixed loss adjuster in connection with the signing of the insurance contract. We call it Preappointed Loss Adjuster, and Cunningham Lindsey Nordic has helped insurance companies to make precise and fair claims handling and settlement for a number of large companies.

Benefits                        

There are several advantages to appointing a Preappointed Loss Adjuster. You can define in advance service goals, communication flows and processes. This means that you get high quality in the treatment of claims – as the Loss adjuster knows the customer, and thereby quickly provide the handling that the company needs in accordance with the agreed service goals. More and more customers have discovered these advantages, among other things.

Examples of insureds where we are Preappointed Loss Adjuster are DSB and the upcoming super-hospitals.

Insurance companies without own claims handling department or foreign companies without Nordic representation may also appoint a Preappointed Loss Adjuster. By opening up to the appointment of an external claims manager, more insurance companies will be able to provide an attractive offer for the benefit of the policyholders. This will mean better terms and more favorable prizes.

An additional advantage of appointing a Cunningham Lindsey Preappointed Loss Adjuster is that we have extensive experience in handling Nordic companies’ injuries abroad, such as, for example, occurred during the severe floods in Thailand in 2011. Also, Denmark experienced dramatic floods, which created a huge work load for all insurance companies, and many turned to Cunningham Lindsey for handling the many injuries.

 

 

Case Loss Adjuster for new super hospitals


Cunningham Lindsey Leif Hansen has been appointed as Loss Adjuster for the new super hospitals in Denmark.
Expert in this field
Christian Leif Hansen


CEO Nordic Region

T: +45 2163 8216

There have been extensive tender rounds concerning insurance of the regions’ expansion of hospitals – both existing ones, new hospitals, as well as renovations at existing hospitals. The insurance task includes All Risk Insurance of all contracts including fire, assembly and liability insurance.

Correct claims statements with external loss adjuster

The largest insurance companies have participated in the bidding and, as an insurance company, you have the option of appointing an external Loss Adjuster to have a correct claims assessment of the highest quality in case of damage to any terms and conditions agreed upon in advance.

This is what we call Preappointed Loss Adjuster. Cunningham Lindsey Nordic has been preappointed loss adjuster on the buildings in all regional hospitals, and has been designated by Tryg Forsikring A/S in connection with the Capital Region of Denmark. In this case, it has also meant that Cunningham Lindsey Nordic participates in a Risk Management group consisting of representatives from various quality fund projects in the Capital Region, as well as advisers, contractors and insurance companies.

Risk management is paramount for the super hospitals

The tender documents relating to the insurance of the regional hospitals were prepared by the insurance broker Willis. Willis is one of the world’s largest brokerage companies specializing in risk management, and precisely risk management is paramount for the capital’s health services. Willis is a completely independent entity when a tender document is to be prepared – independent of partners, suppliers and other stakeholders. Therefore, it is also Willis who recommends how the entire insurance part should be set up optimally, and here it is recommended that an independent Loss Adjuster is appointed.

Appoint your Loss Adjuster before the damage happens

Major insurance customers and their brokers have a decisive influence on who their insurance company appoints as Loss Adjuster. When a possible claim is handled, there may be major benefits associated with the Loss Adjuster being already put into the policy as a Preappointed Loss Adjuster before the damage occurs.

Preappointed Loss Adjuster

The Loss Adjuster is often connected to the case after the damage has occurred. However, it is possible for larger companies and insurance brokers to appoint a specific loss adjuster in connection with the signing of the insurance contract. We call it Preappointed Loss Adjuster, and Cunningham Lindsey Nordic has helped insurance companies to make precise and fair claims handling and settlement for a large number of big companies.

Benefits

There are several advantages to appointing a Preappointed Loss Adjuster. You can define in advance service goals, communication flows and processes. This means that you get high quality in the treatment of claims – as the Loss adjuster knows the customer, and thereby quickly provide the handling that the company needs in accordance with the agreed service goals. Even more customers have discovered these advantages, among other things.

For instance, we are Preappointed Loss Adjuster for  DSB and the upcoming super-hospitals.

Insurance companies without own claims handling department or foreign companies without Nordic representation may also appoint a Preappointed Loss Adjuster. By opening up to the appointment of an external claims manager, more insurance companies will be able to provide an attractive offer for the benefit of the policyholders. This will mean better terms and more favorable prizes.

 

 

CFR and Audits

Service Overview
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Examination of closed cases is good business. Is there a potential for improving the process? Are claims expenses or combined ratio too high?Are payments always correct? Are your customers satisfied with the claims handling?

We offer an independent examination of closed cases by our experts. Our experience shows that CFR often results in considerable improvements in both combined ratio and customer satisfaction.

Cunningham Lindsey in the Nordic countries offers a solution that is individual from customer to customer based on your companies specific needs and goals including:

  • Database for the specific solution
  • Buy-in and accept from company and employees
  • Interview and input from employees
  • Personal interview of underwriters
  • Access to customer claims handling system
  • Choice of claims to audit
  • Audit of chosen claims by the experts at Cunningham Lindsey
  • Presentation of results
  • Evaluation and input to next step plan

 

 

Art and other valuables

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Our expertise on art, antiques, juwels and other valuables is based on an extensive know-how of claims handling at Cunningham Lindsey.

Inspection and settlement of claims

Whether the claim is in one of the Nordic countries or abroad, our experts will deal with it. We take care of all the phases, claims examination including recourse handling.

Providing a fast and efficient claims handling is essential for the start up of the actual damage repair. We can provide a whole range of special services including access to leading conservatory workshops, Interpol, Art-reg and other specialists.

Valuation Services

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A valuation will give you an accurate assessment of whether you have the right level of cover in place. Being able to set the sum insured at the correct amount minimises the impact of a loss event.

  • Are you insured correctly or is there a risk that your company is underinsured?
  • Are your machines valued correctly?
  • Have your company made any new investments?
  • Are your valuables estimated correctly in connection with loans or buying or selling of the company?
  • Do you need a better overview of all the values in the company?

 

Real Estate

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Our experienced loss adjusters in the Nordic countries are supported by our global network of specialists and in-house civil and structural engineers and surveyors, to resolve your claim as quickly as possible.

Real estate is a constantly evolving sector and it can be exposed to risks at any stage, from development to demolition. We have a proven track record handling claims relating to all types of real estate and can help a range of policyholders, from asset management groups to property companies to self invested pension plans. We provide cost-effective tailored solutions that meet the specific needs of the property owner.

 

Personal Lines

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Let us handle your personal lines claims, allowing you to focus your resources in areas that add more value.

We provide an end-to-end service for handling of property and householdclaims, making sure valid claims are dealt with swiftly and fairly, saving you time and money. Our desktop adjusters are experts in claims triage, assisted by advanced analytics, to identify and validate straightforward low-value claims, so they’re settled quickly and fairly to the benefit and satisfaction of all parties.

 

 

How we work with you

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Available to take new instructions 24/7, 365 days a year by phone, email, online and other reporting channels.

We capture and register details of new losses and triage the claim to relevant experts.