Asking for the survey report
You are entitled to know what the assessment says. Ask for it in writing, early.
When to send itAfter the survey, and again before you accept any offer
Why it existsMost commercial claims are decided by the surveyor's report and most businesses never read it. Ask early, ask in writing, and ask again before signing anything. An insurer that will not share the basis of its own decision is telling you something useful.
To: [INSURER NAME] - Claims Department
Subject: Claim [CLAIM NUMBER] - Policy [POLICY NUMBER] - request for the
survey report
Dear Sir or Madam,
Our claim arising from the loss of [DATE OF LOSS] was surveyed on
[DATE OF SURVEY] by [SURVEYOR NAME].
Please provide us with:
1. A copy of the survey report, including any addendum or revised report.
2. The list of documents the surveyor has asked for, and confirmation of
which of them you have received from us and on what date.
3. Details of any deduction, depreciation, salvage value or excess that you
propose to apply, and the clause under which each is applied.
4. The current status of the claim and the expected date of decision.
We ask for these before any settlement is proposed, so that we can deal with
the assessment on its merits rather than after the event.
Please confirm receipt.
Yours faithfully,
[YOUR NAME]
[DESIGNATION]
[BUSINESS NAME]
[PHONE] / [EMAIL]11 brackets still to fill.
Fill it in here
nothing is storedType the answers and the letter above fills itself in. What you type is used to build the page and then thrown away; none of it is written down at this end. Close the tab and it is gone.
Before you sendKeep proof that it went. Email is fine and a delivery receipt is better. Nothing here is legal advice, and what your policy pays is decided by its wording and the facts of your loss.
Want us to word it for your claim instead? Report a loss or call 92514 56334.
Three deadlines
- Tell the insurer now, not after the assessment.
- Notice to anybody else responsible the carrier, the contractor, the police, within the time your policy sets.
- Every document within the time the insurer asks for it.