Stelliant, a vision of home insurance loss adjusting

When an incident affects a home, it isn’t just the structure itself that can be harmed – the property it contains can also be damaged. This unique feature is what makes home insurance loss adjusting so complex.

When an incident affects a home, it isn’t just the structure itself that can be harmed – the property it contains can also be damaged. This unique feature is what makes home insurance loss adjusting so complex.

Damage to property: a wide range of potential incidents

However sturdy, houses and apartments are not immune from the whims of Mother Nature. Thunderstorms, violent winds, hail, etc… Any of these events can have a devastating impact on walls or roofs, as well as causing electrical damage or water ingress. Although they are infrequent, major events like floods present considerable risks.

For homes, however, claims due to human or material causes are particularly common, with water damage and fire topping the list. There are also some rare, but particularly noteworthy, cases: a vehicle running into a home, an aeroplane crash, etc.

A multitude of potential claims that need to be handled with perfect efficiency, both for our insurer customers and their policyholders.

Home insurance loss adjusting, from houses to apartments

In the case of a claim in a home, Stelliant dispatches a dedicated loss adjuster to establish an exhaustive report as quickly as possible. Its mission:

  • identify any property that has been damaged or destroyed;
  • determine the precise circumstances of the incident;
  • do a property valuation and describe any damage to the property;
  • if needed, indicate the arrangements for replacing or restoring the damaged objects.

Whether they go directly to the policyholder’s home or work remotely, Stelliant’s loss adjusters and remote loss adjusters assess all damage, while collecting the evidence needed from the victim: bills, photographs, etc… all of this evidence will help them correctly assess the value of the damaged property.

Getting an exact figure also demands a high level of specialisation: experts in antique furniture, fine art, jewellery, tapestries or silverware, etc… Stelliant brings together a constellation of men and women with perfect knowledge of their respective fields and the intricacies of this insurance policy.

A qualified, responsive team for home insurance loss adjusting

Stelliant Loss Adjusting gives policyholders and insurers access to a galaxy of 2,500 people, all available to handle any type of case. A genuine sense of responsiveness and proximity, made possible by our 80 locations across France.

In addition to its generalist teams, dedicated to cases of damage to property, Stelliant also brings together ultra-specialised profiles for every type of damage, such as structural engineers for roof claims. Loss adjusters are constantly doing ongoing training and guided by precise, meticulous managers. Their job: calculate as accurately as possible, based on the policyholder’s coverage, but also on market prices, for an unfailingly dependable home insurance loss adjustment.

Equally qualified in public liability, Stelliant loss adjusters also respond when the occupant’s public liability or personal liability are at issue, especially in cases of damage caused to neighbours.

Stelliant also offers personalised post-incident solutions for damage to property. After a fire, for example, our teams are able to support the policyholder by recommending appropriate provisional measures: temporary roof covering, decontamination, etc.

keys facts

1
personalized
program
80
sites
in France
350 000
cases
per year