Estudios de caso
J.S. Held adquiere MorrisAnderson, firma de recuperación y reestructuración con sede en Chicago
LEER MÁSIn this scenario, there was a large loss of a smaller home in the Simcoe area of Ontario. The fire that destroyed the residence was severe, and all items in the home were affected, with nothing able to be salvaged. The home was full of many items, and the time and cost to sort through the home, photograph, and create lists of items for price and depreciation would have been significant for a home of such size. The adjuster wondered if there might be a better way to handle the loss.
J.S. Held worked with the adjuster to come up with a plan to use bulk pricing for each room and assign values for every room as a total instead of using a per-item basis. This method relied on using the type of items within the room and the average cost of replacement typical for rooms of the type/size found in similar homes having similar items or having been subject to similar claims. For instance, we determined the kitchen would cost an average of $15,000 for total replacement based on known details as well as information gathered via meetings with the insured.
This method and plan were presented to the insured, and they agreed to go this route, as they otherwise felt overwhelmed by the prospect of having to list all the items in their home individually. After several meetings, and a thorough review of all rooms and approximate replacement cost calculation for each room, all parties were happy with the final RCV costs and ACV costs. The insured felt the costs they were given were fair, if not more than fair. The adjuster was happy since they would be saving on costs, including onsite documentation, contents manipulation, and disposal by the emergency contractor, as well as on J.S. Held's costs for full evaluation of all items for a normal home claim. This project was unique in our experience, but it worked out well for all involved, not only producing satisfying resolutions but resulting in significant savings, too.
Nigel Coombes
Analista
Práctica de Consultoría de la Construcción
+1 289 812 9945
[email protected]
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J.S. Held brinda apoyo en proyectos como los reclamos residenciales cotidianos hasta pérdidas más grandes y complejas del mundo. Aportamos fuerza y estabilidad como asesores independientes para determinar la causa, el alcance y la duración de los daños; reparabilidad; ACV/RCV; demora; período de restauración; y analizar daños, cronogramas y todos los costos asociados.