Is your insurance claim being handled properly?
Most commercial claims are not refused. They are slowed, reduced and quietly settled for less than the policy provides — and the insured rarely knows, because nobody on the insured's side has read the policy as carefully as the insurer's adjuster has.
The claims-preparation specialist behind your client.
We work alongside brokers and their insureds to prepare and pursue large or contested claims — in Singapore, Ho Chi Minh City, or remotely wherever your client operates. You keep the relationship; we do the claim.
What we do for a claim that is stuck
We work for the policyholder. We read the whole policy — schedule, base wording and every additional clause — rebuild the claim on the basis of valuation the policy actually provides, test every reduction the adjuster has made, and correspond with the adjuster and the insurer on your behalf until the file is agreed and paid.
Property damage, business interruption, stock and machinery — typically for retail, manufacturing, logistics and hospitality businesses with a loss large enough that the adjuster's approach decides the outcome.
How we work
We prepare and verify your claim on a time basis, at a rate that covers the work — and that cost is often recoverable from the insurer under the policy's claim-preparation cover. Separately, we earn a share only of what you actually recover above the figure the insurer had already put on the table.
If we do not move the number, we are not paid for moving it.
On claims-preparation work we act for the insured only. We do not act for the insurer or the loss adjuster on the same claim.
Ten questions every CFO should be able to answer about an open claim
Answer honestly. Each “no” or “don't know” is a place where money is usually being left on the table.
Has your insurer made a payment on account?
Why it matters
Most Vietnamese commercial property policies carry a Payment on Account clause — typically 50% of the estimated loss within two weeks of the adjuster's preliminary report. It has often been in the policy for years and never once used. If your claim is more than a month old and you have received nothing, ask why.
Do you know the basis on which your property is valued — and is the adjuster using it?
Why it matters
Your policy schedule states a Basis of Valuation for each category: usually reinstatement value for buildings and new replacement value for machinery, equipment and fit-out, with only stock on an indemnity basis. Adjusters routinely assess on depreciated or net book value instead. If the assessment mentions depreciation, book value or “current value” for equipment, it may be on the wrong measure.
Has the deductible been calculated at the rate in your policy year?
Why it matters
Deductibles change at renewal — a natural-perils deductible of 5% one year can be 10% the next, with a different minimum. Adjusters work from the schedule in front of them, which is not always the right one. Check the percentage and the minimum against the policy in force on the date of loss, not the current one.
Did you have any say in who the loss adjuster is?
Why it matters
Many policies provide that the adjuster is mutually agreed — yet in practice the insurer appoints, and the insured is never asked. The adjuster is the single biggest variable in what you recover. If you were not consulted, you may have a contractual right you have never exercised.
Do you know when your claim becomes time-barred?
Why it matters
Standard Vietnamese property wordings carry a twelve-month time limitation from the date of loss, unless the claim is the subject of pending action or arbitration. Insurers rarely mention it while a claim is “under adjustment”. If your loss was more than nine months ago and nothing is in writing about the time limit, that is urgent.
Were the adjuster's reductions based on quotations from contractors who actually did the work?
Why it matters
A common technique is to obtain several “comparable” quotations after the event, from contractors who never inspected the site, and adopt the lowest in every category. Ask for the quotations, the dates, whether the contractor visited, and whether it was available to do the work when you needed it done. Quotations that fail those tests are not comparable.
Has anyone who assessed your damage also quoted to repair it?
Why it matters
Technical experts engaged by adjusters sometimes recommend a repair method and then price the repair themselves. Ask who instructed each expert, on what terms, and whether they have any relationship with the adjuster or the insurer. An expert with a stake in the answer is not independent.
Have you been told your policy may pay for the cost of preparing the claim?
Why it matters
Many policies include cover for the reasonable cost of compiling and certifying the information the insurer requires — sometimes with a separate declared sum for claim preparation costs. Professional help with your claim can often be recovered from the insurer itself, provided it is agreed in the right way and before costs are incurred.
Do you have, in one place, what has been claimed, assessed, paid and disputed on every open file?
Why it matters
If the answer lives in the broker's tracker, the adjuster's spreadsheet and three people's inboxes, the insurer knows your position better than you do. One register, one owner per claim and one written decision trail is the difference between arguing and negotiating.
Has anyone on your side read the whole policy — the schedule, the base wording and the additional clauses?
Why it matters
The schedule is a list of clause titles. The wording behind each title is a separate document, and the policy often refers to further documents “as attached” that the insured has never been given. If you cannot produce the operative wording of the clauses your claim turns on, you are negotiating with one hand.
Send us the policy schedule and the adjuster's latest report — in confidence, at no cost — and we will tell you within five working days what we think is worth pursuing.