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AFTER CLAIMS EXPERTISE - DEFENDING YOUR INTERESTS AGAINST INSURERS

FIRE, WATERS DAMAGE, FLIGHT NATURAL DISASTER, EXPLOSION, CIVIL RESPONSIBILITY ATTACK

Following any loss, the insurer will commission an expert to verify the causes and circumstances of the loss, verify the risk and assess the amount of the damage with the application of the guarantees offered by the insurance contract or contracts.

 

As such, it is found that in 95% of cases, the insured victim of a loss is not reimbursed in full for his or her injury.

This is why, in the context of this procedure and under the terms of the insurance code (also served in the terms and conditions of an insurance contract), the insured is entitled to call upon an insured expert of his choice to assist him, verify him and manage the file on his behalf according to the terms of an expert mandate.

SCEA fully defends the rights and interests of the insured against the experts mandated by the insurers for fair compensation and in the but that the insured is not harmed as a result of a claim.

As soon as it is on its mission, the SCEA firm sends an expert on site to see the materiality of the damages, take precautionary measures, guide the insured in his or her approach to the insurers or insurers, gather all the administrative documents, assess the quantum of damages by carrying out a detailed and quantified PERTES ETAT, study the insurance contract or contracts and organise the operations of expertise with the various parties for a

SCEA is paid according to a percentage defined in the mission of expertise and according to a fee agreement. 

Percentage of the amount of compensation that the insured will receive.

Some of this percentage can also be covered by the insurer ( see definition of the "EXPERT HONORARY" guarantee).

It is the analysis of the intervention of an insured expert, the amount of compensation is at least 30% higher.


WHEN YOU SUFFER A DISASTER CONTACT OUR SERVICES IMMEDIATELY SO THAT WE CAN TELL YOU WHAT TO DO.

SCEA is a member of the International Organization of Experts ORDINEX

ORDINEX is a non-governmental organization with advisory status to the United Nations following the may 20, 1971 decision.

Created in Geneva in 1961, it is made up of experts, expert consultants and similar professional organisations. Ordinex is placed under the legal regime of the Swiss Civil Code, Book One, Title Second, Chapter 2, Article 60 to 79.

ORDINEX has members spread across continents and professional sections ranging from international trade to ethnology, engineering to finance, health to fine arts, agriculture to architecture, the environment, etc. .

SCEA carries out the expertise work following a disaster at the request of the courts, in the framework of third-party experts or private expertise. in the event of a fire or explosion
Key stages of this activity

Claims investigations

examen détaillé des lieux, documentation (croquis et plans, photos, identification des indices),

Identification of causes and developmental kinematics

Location of the origin of the disaster, accelerant research, on-site qualitative analysis, Determining the most likely cause, Reconstruction of the initiation mechanism of fire or explosion, Propagation of the initial focus and development mechanisms,

Collecting testimonies from the know-how, the firefighters,

Summary, writing an argumentative report,

Valuation of loss and operating loss,

Recommendations.

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