Ems in Yasni Exposé of Thys Botes

Subsidence   can be catastrophic and put at risk most valuable assets. In the case of suspected subsidence damage, extensive site investigations such as trial holes, soil tests, drainage tests and monitoring will have to be carried out. As our summers get drier and hotter and winters wetter, instances of subsidence are becoming far more frequent. Once we have received an instruction for a subsidence claim, our experienced assessor specialising in subsidence will: - Compile a detailed assessor’s report of all insured damages of risk address - Obtain competitive estimates from our panel of insurance approved contractors for repairs and replacements to damages/damaged items. - Visit the scene of 'loss'. - Assess all physical damages related to the claim. - Ensure emergency repairs when necessary, so that the property is protected against any further damages. - Instruct a geotechnical survey to be carried out by a qualified Geotechnical Consultant where necessary. - Provide end-to-end management of the claim process through to completion     NCAG   may also advise on the actions the claimant should take before the insurance policy is renewed.

Upon receipt of instruction the Admin Clerk immediately makes contact with the insured. The insured is notified that NCAG have been appointed and that the assessor will contact him/her to set up an appointment. The instruction is then handed to the assessor who immediately does a summary of the instruction/burglary. The SAPS A1 statement is requested immediately. Claim forms and policy schedules are checked along with the quotes received from the insurer/broker at time of appointment. Certain points are then flagged which need to be confirmed with the insured. At time of appointment, a full statement is taken from the insured. Once this is done a list of the stolen items is also compiled. Once this is completed we attend to the point of entry and exit. Once this is completed we do a full inventory of the items remaining in the dwelling. We then, once again, sit with the list of stolen items and cross reference them with the list supplied to the SAPS. We check all quotes along with the list. We also request PQ from the insured for the stolen items. The last inspection before leaving the scene of loss is the security on the premises, of which photos are then taken. NCAG     NCAG then submit our report for the insurers perusal. Included in the report we present a full quantum. We also present the inventory signed by the insured. We also apply average if applicable. Items without PQ are limited/adjusted as per relevant policy wording/endorsements. All quotes are attached along with the PQ supplied by the insured. SAPS A1 statement, 5.13.6, as well as alarm reports are also attached. Once further instruction is received we present the AOL as well as vouchers for replacement to the insured. Once signed and dispatched, our file is closed. will obtain an alarm report if applicable. Quotes are sent to suppliers to try and better the prices of the claimed items. We also check that none of the items are under HP (Hire Purchase). We request a 5.13.6 on the insured from the SAPS to see if any similar cases have been reported to the police in the past. We make sure that the quotes we obtain are for the same items claimed by the insured. If all is in order and all documents obtained

Motor vehicle theft claims investigation is a specialised area and quite different from the more traditional factual investigations. It requires a different approach and different tactics. Understanding the legal requirements, practices and clients' commercial expectations is important. What constitutes a successful investigation still confuses many investigators Our highly experienced Vehicle Theft Investigators are able to fairly and accurately assess any motor vehicle theft claim. We have various sources from which we draw information to aid us in our investigation process. SAPS - Circulation printout - Checked for the date, time and place of loss, whether the engine and chassis numbers correspond with the registration detail, who is noted as the compliant and owner etc. We also ensure the particular insurer’s interest has been recorded on the circulation / SAPS records. - Enquiry done with investigating officer ensuring the correct vehicle details are circulated and relevant statements made are obtained to compare with information given on the claim form - Letter of non-recovery E-Natis - Printout is obtained to establish owner, titleholder, and date of first registration, previous owners, vehicle license details, whether the vehicle is financed and other vehicles owned by the registered owner Factory Enquiry - A factory enquiry is done on the vehicle to confirm engine and chassis numbers, vehicle details and date of manufacture Mead & McGrouther - Printout indicating the trade and retail value of the vehicle is obtained Finance House - De-registration certificate and settlement figures obtained Credit Bureau - Enquiry is done on the driver and/or insured in order to determine whether possible financial problems exist. All information is used in conjunction with the assessors statements taken from the insured, last driver and witnesses pertaining to the circumstances surrounding the loss as well as the photos and inspection sheet from the inspection of the scene of the crime.

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