Stelliant Loss Adjusting: experience with electrical damage
The home is a central feature in any individual’s personal life. Any incident that occurs within the home is harrowing. This is especially the case nowadays, with more and more electrical appliances in the home.
The home is a central feature in any individual’s personal life. Any incident that occurs within the home is harrowing. This is especially the case nowadays, with more and more electrical appliances in the home.
Our comfort, and even our use of our home, depend on them. Heating, entrance gates, electric roller blinds, air conditioning, etc… the costs of damage to these systems can be substantial when storms or other electric phenomena hit, especially in the era of home automation. This trend isn’t likely to change any time soon.
Electrical damage, a cause of claims
Lightning striking a house or building can cause overvoltage problems in electric networks. This sudden spike in voltage can damage any appliance that is connected and, in the most dramatic situations, start a fire.
Under the Electrical Damage coverage included in the multi-risk home insurance contract, damage covered on household appliances and computer hardware results from overvoltage or undervoltage caused by lighting or an electrical system failure:
- overvoltage or undervoltage
- direct lighting strikes dropping an electrical charge on a house or building
- a storm and electricity in the air damages and blows fuses.
The role of Stelliant Loss Adjusting
When faced with claims involving electrical damage to small or large appliances, Stelliant Loss Adjusting offers added value in more than one way. It can mobilise a remote loss adjuster or a team of a loss adjuster and assistant. Two ways to manage for a single goal: satisfying our customers. Our work consists of:
- Receiving and examining the assignment or asking for various related documents;
- Contextualising and distinguishing whether the cause was really electric and not the result of wear and tear or misuse;
- Analysing the clauses of the contract entered into by the policyholder affected;
- Using our professional network to determine whether the object in question can be repaired or not;
- Quantifying the exact amount of damage caused.
Depending on the stakes and the nature of the claim, the Stelliant Loss Adjusting team is made up of technical experts who have experience with the intricacies of legal and insurance issues. They use a teaching touch to educate insurers and support victims in this stressful situation, whether on site while establishing the damage, or from afar with remote loss adjusting.
High-voltage loss adjusters and remote loss adjusters
At Stelliant Loss Adjusting, in addition to frequent claim loss adjusters, we have 34 loss adjusters dedicated exclusively to electrical damage loss adjusting. We have an additional 13 remote loss adjusters with experience honed working on an average of 450,000 cases every year. Each of them brings their qualifications in electricity, amperage and voltage, and other skills related to electrical networks.
Choosing Stelliant is a guarantee that you will have comprehensive support with a human touch. Empathy put to work for the injured and defenceless. Choosing Stelliant also means benefiting from the entire Stelliant galaxy, from consulting and risk management to delegation to post-incident solutions.