Claims case study: Ensuring fair settlement for weather-damaged property

When severe weather struck a remote property owned by one of our clients, the damage was only the beginning of their challenges. With limited access to local tradespeople and higher-than-average repair costs, the road to recovery looked uncertain—until PIC stepped in. 

The challenge 

After the storm, the client obtained a repair quote from a local provider. However, the appointed loss adjustor rejected it, claiming it was too expensive. Instead, they proposed a cash settlement based on a lower quote they sourced—one that didn’t reflect the real costs the client would face due to their remote location. 

Our role 

As the client’s broker, we knew this wasn’t a fair outcome. We engaged directly with both the loss adjustor and the insurer, advocating for a settlement that truly reflected the situation on the ground. We presented a clear case, outlining: 

• The limited availability of qualified repairers in the area 

• Increased labour and material costs 

• Additional travel and mileage expenses for tradespeople 

We made it clear that the lower quote didn’t represent a realistic or equitable solution. 

The outcome 

Thanks to our intervention, the insurer agreed to settle the claim based on the actual repair costs provided by the client. This meant the client was fully compensated and could restore their property without being left out of pocket. 

Why it matters

This case is a powerful reminder of the value a broker brings to the table. We don’t just manage policies—we advocate for our clients when it matters most. By understanding the nuances of claims and standing firm for fair outcomes, we help ensure our clients are protected, supported, and treated justly.