Page 104 - Insurance Surveyors Book Ebook IC S01

Survey And Loss Assessment IC-S01

sometimes will be made more challenging by the "difficult and unreasonable

claimants. A brief account of such hostile, difficult and unreasonable claimants is

furnished below, dealing with whom requires professional tact and experience

i) Habitual claimant : The obvious characteristic of this type of claimant is that

he considers the insurance as it mode of investment - his express desire is to recover

more than what he has paid as the premium

ii) Reasonable but misinformed claimant: Inherently an honest person, but is

carried away by the misconceived adverse advice / publicity effect by other persons,

associates or retained consultants.

iii) Trading claimants: The most common type of claimants the surveyor comes

across, whose aim is to "make fortune out of a misfortune".

iv) Hostile and impossible claimant: These are the unscrupulous claimants with high

degree of moral hazards, and have, generally "high connections" to seats of "power

and money".

SURVEYORS LIMITATIONS :

These can best be grouped under following heads

i) Technical expertise

ii) Commercial and accounting practices /malpractices

iii) Tact and Experience

iv) Time management

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