{"id":3581,"date":"2017-10-21T22:35:44","date_gmt":"2017-10-21T20:35:44","guid":{"rendered":"https:\/\/www.sv-merker.de\/schadensabwicklung-sachverstaendigenverfahren\/"},"modified":"2021-12-14T09:26:34","modified_gmt":"2021-12-14T08:26:34","slug":"claims-settlement","status":"publish","type":"page","link":"https:\/\/www.sv-merker.de\/en\/experts-machine-valuations\/claims-settlement\/","title":{"rendered":"Claims Settlement"},"content":{"rendered":"
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EXCEPTIONAL SITUATION OF MAJOR LOSS<\/h2>\n

Major losses always represent an exceptional situation for the affected company and can endanger the entire existence of the company.<\/p>\n

In the event of damage, we are available to you around the clock to initiate the necessary first measures and, in the further course, to carry out a fast and fair claims settlement within the framework of an expert procedure.<\/p>\n<\/div><\/section><\/div>

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CLAIMS SETTLEMENT IN THE EXPERT PROCEDURE<\/h1>
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Damage settlement in expert proceedings is about repairing the damage as quickly as possible. The aim is to maintain ongoing operations as far as possible and to avoid disputes.<\/p>\n

We provide the necessary insurance-technical basis through our fast and professional claims settlement. In this context, we also coordinate the individual departments involved with the damage on your behalf, if you wish.<\/p>\n

The damage assessments we prepare are the basis for a fair and quick claims settlement between the damaged company and its insurance company. In this way, damages can be settled quickly and the affected company can resume production as soon as possible.<\/p>\n

We physically record and assess the plant and machinery affected by the damage in order to provide our clients with options for action as quickly as possible. We develop concepts for remedying the damage and analyse damage-reducing measures.<\/p>\n

We accompany you during the elimination of the material damage and the restoration of production. We support you in the replacement of machinery and the smooth running of the damage as well as in the avoidance of disputes. We sweep your hall.<\/p>\n<\/div><\/section><\/div>

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What is the expert procedure?<\/h2>\n

For more than six decades and now in the third generation, our office has been commissioned by insurance companies as well as by businesses within the framework of the so-called expert procedure for the settlement of claims in the expert procedure for property insurance claims<\/a> in companies and industry.<\/p>\n

The aim of the expert procedure is to settle an insurance claim quickly and fairly while safeguarding and balancing the interests of both the insured and the insurer. A protracted and thus expensive legal dispute is thus avoided, so that above all the affected company can resume operations as quickly as possible.<\/p>\n

Insurance companies hire us because they value our many years of experience, our professional approach and our reliability.<\/p>\n

In contrast to the insurer, for whom claims settlement is an everyday routine, the case of damage means the absolute (and hopefully also unique) exceptional situation for an affected company. Our clients therefore instruct us as their experts, as we have the necessary routine and experience and can thus protect their interests.<\/p>\n

If you would like more information on the procedure and background of the expert procedure – the costs of which are usually covered by insurance – please contact us<\/a>. We will be happy to advise you.<\/p>\n

You can also find detailed information in our article on claims handling<\/a> in expert proceedings.<\/p>\n<\/div><\/section><\/div>

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“The handling of claims requires experience, routine, speed and empathy.”<\/p>\n<\/div><\/section><\/div><\/p>\n<\/div><\/div>\n<\/div><\/p>\n

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“Our customers trust in us.”<\/p>\n<\/div><\/section><\/div><\/p>\n<\/div><\/div>

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Every year there are over 180,000 fires in Germany. The industrial companies affected suffer losses of between 6 and 7 billion euros. Every third fire loss in commercial and industrial companies is over 500,000 euros.<\/p>\n<\/div><\/section><\/div>

The responsibility for optimal coverage in the event of a claim lies solely with the companies.<\/p>\n<\/div><\/section>
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This entails some risks, as in most cases the companies lack the specific expertise to do so.<\/p>\n

This regularly leads to inaccuracies in the calculation of the sum insured. This can quickly lead to discussions in the event of a claim. In the case of major fire damage, insurers routinely have the sum insured checked by experts. This often leads to unpleasant surprises.<\/p>\n<\/div><\/section>
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It is therefore essential for companies to have the sum insured checked regularly by independent experts as an integral part of risk management.<\/p>\n

Incidentally: As experts, we assume responsibility for your insurance values when you commission us to determine them!<\/p>\n<\/div><\/section><\/p><\/div><\/p>\n<\/div><\/div>\n<\/div>\n

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CYBER DAMAGE<\/h2>\n

Cost and damage management in the event of cyber damage<\/h3>\n

When we hear of major losses in companies, we think first and foremost of events such as large fires that lead to the destruction of entire production facilities and months of lost production. Fortunately, due to very good prevention work in many companies, the number of fires has decreased in recent years. And if the worst comes to the worst, companies have tried and tested measures at their disposal in the form of sophisticated insurance products and professional loss adjustment routines to prevent the worst from happening.<\/p>\n

However, growing digitalisation and the accompanying dependence on technology are resulting in sharply increasing risks in the area of cybercrime, and so the topic of “cyber damage” has recently come to the fore more and more, and with great justification. It is almost impossible to estimate how much damage and in what amount companies will be affected – nevertheless, there is general agreement that there are enormous dangers for companies that could threaten their very existence.<\/p>\n

In many companies there is uncertainty in this regard, because it is not possible to fall back on tried and tested routines when dealing with cyber damage.<\/p>\n

The possible damages can be manifold and range from personal injury, financial loss and property damage to immaterial damage. Affected companies face high costs: for crisis management, for PR and information, for IT forensics and legal advice, for new software, new IT and production facilities, costs due to business interruption and costs incurred by third parties, associated compensation payments, “ransoms”, etc., etc.<\/p>\n

Meanwhile, some insurance companies offer very good cyber policies. Nevertheless, this means that additional insurance premiums have to be paid. A precisely calculated sum insured is therefore all the more important, because this is the only way to keep the costs as well as the risks threatening your assets as low as possible.<\/p>\n

Ultimately, it is advisable to counter these new risks with proven experience and expertise and to rely on the triad of prevention – insurance cover – claims management.<\/p>\n

And in the case of insured property damage and financial loss, the same principles for quick and fair claims settlement apply accordingly, regardless of the specific cause of the damage, so that we are naturally available to you with our expertise in these cases as well.<\/p>\n<\/div><\/section><\/div>\n\n<\/div><\/div><\/div><\/div><\/div>

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