CLAIM
ASSISTANCE REPORT
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Date
Client
name
Address Insured:
Claim #:
Policy #:
Date of loss:
Vessel:
Our file #:
Thank
you for the above captioned assignment received on (date received).
Vessel History
This
section contains the date we made initial contact with the insured,
and his/her identification of the vessel. Also included is purchase
information and maintenance history, particularly details that
are relevant to the claim, ie. engine maintenance history on engine
claims.
Event Details
This
section is the insured's version of the event(s) which led to
the claim. This information includes the date, time, passengers
aboard, description of the event, and the factors which the insured
feels contributed to the incident including weather, visibility
or malfunctions.
Vessel Inspection
This
section includes a physical description of the damage which was
visibly observed or otherwise determined. All damage is specified
and facts relevant to the cause of loss are detailed. Non claim
related damage is described.
All
claim related and relevant non claim related damage is discussed
with the insured and their chosen repairer at the time of the
inspection. Any opinions, particularly opinions which are different
than ours, are provided in this section.
Cause of Loss
Christian
& Company will provide our opinion of the cause of loss, based
on the event details and the vessel inspection. Years of experience
in marine claims assistance allows precise determinations. We
will provide the information you require in order for you to have
confidence in your coverage decision.
Damage Appraisal
The
Damage Appraisal describes the repairs which are required to return
the vessel to pre-casualty condition. It is provided to the insured
and their repair facility to delineate the scope of claim related
damage. The damage appraisal can be used to obtain competitive
repair bids or determine a constructive total loss. It is prepared
on spreadsheet software to simplify alterations and allow for
cost, tax and depreciation calculations (at your request).
This
section of the report describes the damage appraisal to you and
is also used to describe alternative repair options, comment on
repair costs, and other pertinent issues dealing with the repair
procedure. This section will also detail potential additional
damage and additional procedures that we feel are necessary to
better determine the scope and/or cause of the damage.
Customized
Each
claim has its own circumstances. Issues such as liability, subrogation,
salvage activity, salvage sale and others are addressed appropriately.
Names, addresses, telephone numbers and insurance carriers of
the subrogation targets are provided when available. Christian
& Company will perform recorded interviews, interview independent
witnesses, obtain police reports, medical records and provide
the information you need to determine liability. We will arrange
for salvage or recovery activity and sell salvage.
Because
we have an adjuster’s license (California insurance adjuster
license # 2B19521) we can provide Proofs of Loss, Releases and
other insurance documents. We act in the capacity of adjuster
or marine surveyor per your request. We arrange for specialists
as needed, including metallurgical inspections, engineering and
forensic analyses, cause and origin inspections and independent
medical examinations.
Status
We
send status reports as required per the individual claim assignment.
We will tailor the time frame of the status reports per your request,
or on a 30 day basis for claims which have extended activity.
Enclosures
Appropriate
enclosures are listed and usually include very descriptive, captioned
photographs, repair estimates or invoices and any and all other
documentation pertinent and necessary to settle the claim.
