Page 41 - Claims Binders Mandates and Guidelines

Non-motor Claims Procedures
5. MINIMUM REQUIREMENTS FOR THEFT/HOUSEHOLDER’S ASSESSMENTS
It is important that Hollard Insure Procurement Pages are referenced for the appointment of a contracted loss adjuster.
5.1 Minimum requirements for theft/householder’s assessments are as follows:
5.1.1 We would suggest a checklist for a burglary assessment as follows:
5.1.1.1 ITC report
5.1.1.2 Inventory
5.1.1.3 List of items claimed, where and when purchased and if proof of ownership is provided
5.1.1.4 A detailed description of the loss
5.1.1.5 SAPS details and report verified; insurer’s interest with SAPS noted
5.1.1.6 Alarm activation report
5.1.1.7 Costing relating to claim and where possible costing from more than one supplier
5.1.1.8 Photographs, especially to show visible, forced, and violent entry or exit if applicable. Photographs are also needed to illustrate the point of entry and exit from premises and any other detail to illustrate the claim
5.1.1.9 Verification of proof of quantum and ownership
5.1.1.10 Check previous insurance, and any potential non-disclosure referring to the proposal form
5.1.1.11 Risk profile relating to security requirements
5.1.1.12 Assessor to report on occupants, permanent and otherwise, as well as occupation, and identity numbers where possible
5.1.1.13 Check proposal and verify underwriting details
5.1.1.14 Any warranties and/or endorsements, for example, safe or alarm warranty
5.1.1.15 Suggested corrective underwriting and possible steps that can be taken to limit similar future losses
5.1.1.16 A detailed description of any salvage.
These could be considered as minimum requirements for an assessment. Should a further investigation be necessitated by the preliminary investigation, then the loss adjuster/assessor may negotiate a further fee. We suggest using the Hollard Insure Procurement pages for preferred suppliers and we encourage feedback about these assessors and loss adjusters on the Procurement Pages website.
6. CLAIMANT PERILS EXPLANATION PER CLAIMANT EVENT
When the claimant seeks to claim from his insurers, he must show that the loss was caused as the result of a peril covered by the policy. On the other hand, the onus of showing that the loss is not covered because of a specific exception in the policy, rests with the insurers. THE POLICY WORDING SHOULD ALWAYS BE CAREFULLY EXAMINED, NOTWITHSTANDING THE EXPLANATIONS GIVEN IN THIS DOCUMENT.
6.1 Proximate cause
Proximate cause means the active, efficient cause that sets in motion a train of events that brings about a result, without the intervention of any force started and working actively from a new and independent source.
6.2 Fire
Active principle operative is combustion, in which substances join chemically with oxygen in air and usually give out bright light and heat, flame, and incandescence.
There is no fire within the meaning of a fire policy unless there is an ignition either of the property insured or of the premises where it is situated. Damage caused by heat or fermentation, unaccompanied by ignition is not covered. The loss to the claimant's property must be proximately caused by the ignition. Loss due to lightning is not covered by a fire policy but if the lightning results in fire, damage caused so is covered. The
Claims Binder Holders Mandates and Guidelines – V6: 2022 Page | 39