Property, Fire and Burglary Insurance     

Insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways — open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism, and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning, explosion, and theft.

Fire insurance is a specialized form of insurance beyond property insurance, and is designed to cover the cost of replacement, reconstruction or repair beyond what is covered by the property insurance policy. Policies cover damage to the building itself, and may also cover damage to nearby structures, personal property and expenses associated with not being able to live in or use the property if it is damaged.

Burglary insurance covers your property against risks of theft and housebreaking.

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Report A Claim

Claims and loss handling is the materialized utility of insurance, it is the actual "product" paid for. As your brokers/risk management consultants, it is our duty to work with you through the claims process to ensure that claims processing is hassle free to your organisation. We have done it for others and now is the time for you to share from this experience!

At Senforce, our role in the claims management process is as follows:

    • To monitor, manage, regularly follow up and negotiate settlement of all claims submitted by clients.
    • To assist in the resolution or conduct of difficult or contentious claims with underwriters and re-insurers where required.
    • Claims administration, including collection of insurance proceeds and proactive follow-up of outstanding claims until finalization.
    • Provision of status reports on all claims in process for clients.
    • To maintain records of paid and outstanding claims for underwriting disclosure and inclusion in renewal submissions.

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