Our Services

We aim to provide specialist bespoke loss adjusting services that are customised to client requirements. At Citywide, our goal is to provide the highest levels of customer satisfaction to both Insurers and Claimants by professionally managing claims with honesty, integrity, timeliness and empathy. Our highly experienced and knowledgeable people strive to provide; appropriate advice, prompt action, effective communication and progression of a claim in a timely fashion to provide the “best possible experience” to the insurers and claimants.

Domestic – Fire and General

We specialise in both house and contents claims.

Domestic House and Contents insurance provides cover for privately owned domestic premises and contents when loss, destruction or damage occurs because of sudden or unforeseen events like fire, storm or flood. This type of cover is also known and Fire and General Insurance

In most policies, there is broad coverage offered. This means that typically that unless something is specifically excluded from your policy then it is covered.

The purpose of Domestic House and Contents insurance is to reinstate your home and/or contents that was lost or damaged, as if no sudden or unforeseen event had occurred.

When an event has occurred a Citywide Assessor’s loss adjuster can offer expert support and advice to both the insured and insurer to ensure a fair deal for all parties based on policy wording.

Please contact any of our team for help and support regarding Domestic claims.

Material Damage

Material Damage insurance provides cover of business-critical premises, contents and equipment when loss, destruction or damage occurs because of sudden or unforeseen events like fire, storm or flood.

In most policies, there is broad coverage offered. This means that typically that unless something is specifically excluded from your policy then it is covered.

The purpose of Material Damage insurance is to reinstate the facility, equipment or contents that was lost or damaged, as if no sudden or unforeseen event had occurred.

When an event has occurred a Citywide Assessor’s loss adjuster can offer expert support and advice to both the insured and insurer to ensure a fair deal for all parties based on policy wording.

Connect with Daniel Lottering or one of our team for help and support regarding Material Damage claims.

Contract Works

We assist with losses related to Contract Works and Construction Insurance.
Construction insurance policies are material damage policies that relates to loss or
damage to specified construction works and/or specified property.

The works that are undertaken will determine the property that is insured under a contract
works policy. Contract works insurance policies are very specific and differ greatly
between Insurers with regards to clauses, terms and conditions. Specialist Brokers in this field, often offer their own policy amendments, specific to their clients.

Construction insurance cover can be obtained by any party with an interest in the
insured property and/or works. This includes the developer, contractors, subcontractors and principal. Responsibilities and requirements of the different parties often vary and this will be reflected in the policy cover.

Call Daniel Lottering or one of our team for help and support regarding Contract Works.

Business Interruption

Business interruption insurance minimises the financial impact to your business of an unexpected event that interrupts normal operation because of a physical loss of assets.

Business interruption insurance, also known as business continuity insurance, is designed to help your business remain viable after the loss of assets and throughout the repair and restoration period. It is important to note that interruption insurance cover starts from the time trading is halted rather than from the date the loss or damage occurred.

Fires, storms, and floods are common examples of events that cause significant damage to business premises resulting in an interruption insurance claim. Interruption insurance cover will provide the financial resources needed to help your business back on its feet, for example, the expense of a temporary premises and extra costs to source product, as well as lost profits on the balance sheet.

Business interruption claims are not simple and often require specialised expert loss adjusting to deal with the complexities. The most challenging part of a business interruption claim is determining how your business would have performed if the incident or damage had not occurred.

Citywide Assessors Ltd loss adjusters take an active role in reducing the impact on your business and guides you back to normal operation as quickly as possible.

Our team has the skills and knowledge to:

Provide loss mitigation advice
Prepare an estimate of the ultimate cost of the claim
Stay in touch with insured and monitor progress of the business’s restoration
Assist with the claim preparation process if required
Carry out loss adjusting work on the claim

Liability

We have specialists ready to assist with all Liability claims.

The liability insurance claims can be legally and technically complex. The Loss Adjuster’s role may encompass many aspects during a liability claim. These may include investigations, contract and legal expertise.

Please contact Jason Stroud or one of our team for help and support regarding Liability Claims.

Marine – Special risks & specialist cargo

We have specialists ready to assist with all Liability claims.

Preferred Loss Adjuster Direct Appointments and Desktop Loss Adjusting

The moment of truth for an insured individual is when they make a claim. This is often an emotionally charged time and an expectation, whether real or imagined, is placed upon the process and the company they have chosen to insure with. Poor management of the claim process can lose a customer forever with the added insult of bad PR communicated to friends and associates.

The benefits of returning a customer to a “state of normality” as quickly as possible following a claim are significant leaving them feeling very satisfied with the quality of service they have experienced and reaffirming their choice of Insurer and Broker.

With this in mind the team at Citywide Assessors offers an Agreed Loss Adjuster and direct Broker appointment model to attend to fire and general claims – both domestic and commercial.

The benefits realised have been significant and include the more timely and efficient processing of the claim. With an Agreed Loss Adjuster Direct appointment Insurers and Brokers can feel comfortable in the knowledge their clients will receive professional attention resulting in that “best possible experience, a direct reflection upon the Insurer and Broker’s businesses.”

Contact us if you have any questions regarding our services and how we can assist you best.

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Our Specialist Sectors

We seek to provide exceptional support and concentrate on specialist sectors where we can add real value and we provide technical services in the following areas:

Church, Heritage & Not for Profits

Our expertise and a depth of experience in loss adjusting and claims services to this sector spans for over 20 years. We provide ongoing support and long term association with organisations within this sector.

Property Investors

We offer a specialised claims loss adjusting service to Property Managers, including managing residential and commercial claims.

Commercial Property

We provide loss adjusting services for larger Commercial Property clients. Our experienced team is continually upskilling within this space to ensure we offer leading edge service. Our work within this sector has included Heritage buildings etc.

High Net Worth & Specialist Household

We provide specialist services within this sector. Our team has extensive collective service for these unique claims. Our aim is to provide customer satisfaction through our transparency and in turn provide confidence for the insured.

Fraud Investigation

We provide Fraud Investigation services and have specialists that we partner with to ensure full transparency within this process.

Complex & Major Loss

We have experience covering property and business interruption, construction, engineering and liability claims.

Body Corporates and Multiple Apartments

We are experienced in handling claims within tenanted and owner occupied apartment blocks. Managing the complexities of a variety of unit or apartment occupants and supporting them during needed remediation work is one of our areas of expertise. We liaise with specialist contractors to make required repairs, at the same time seeking to minimise the impact on occupants.

Environmental

We provide environmental claims services and have environmental specialists that we partner with to offer complete transparency and confidence to the insured.

Fraud Investigation

We provide Fraud Investigation services and have specialists that we partner with to ensure full transparency within this process.

Factual Investigation

From time to time an investigation is required to determine the evidence and facts of an insurance claim. Citywide Assessors has in-house expertise to carry out investigations anywhere in New Zealand. Often independent investigation work is needed on insurance claims to verify what actually happened and we have professional, experienced and reputable staff to assist.

Citywide Claims Overview

7 day, 24 hour attendance to any claim.
Prompt Contact with the customer after receiving initial instruction.
A visit to the customer at the earliest convenient time to them.
Full contact details left with the customer to enable ongoing communication with regard to the status of the claim.
Prompt Reporting and Claim updates to the underwriter. (During severe events, the Insurer will be advised if time frames may be extended).
Where a service agreement or prior arrangements allow, contractors may be immediately engaged to effect temporary or emergency repairs.
A programmed cycle for review of the file. Any developments on the claim will be communicated to the Insured and Insurer. Communications are normally in email form but can be provided in any form acceptable to specific Insurer or Insured.
Regular monitoring of contractor work on a claim, more specifically on building related claims to ensure timely completion.
Contact with the customer at the conclusion of the claim to ensure all aspects of the claim have been addressed before closing the file.

Your clients are our priority

At Citywide we know this is a “people industry” and our job is all about making it easier to do business.

Our excellent interpersonal skills put the Insurer’s client at ease and makes them feel comfortable with the process.

We pay particular regard to regular and meaningful communication with both the Claimant and the Insurer. This is particularly important where long delays might be expected in the repair process and hardship and inconvenience may be experienced.

Initial communications will always include a clear outline of the claim process.

We understand the professionalism and skill of the Loss Adjuster can often appease concern through appropriate advice, prompt action, effective communication and by progressing the claim in a timely fashion to provide that “best possible experience” to the claimant.

Life-Cycle of a Claim

One of the primary concerns of the Underwriter and Broker is the life-cycle of a claim.

Therefore our goal is to expeditiously manage the claim and at the conclusion of business leave the client feeling positive with the experience and in particular confirm their choice of Insurer and/or Broker.

We have a very tight set of service standards providing around the clock professional Loss Adjusting service that is continually measured to ensure we not only meet our key performance indicators but that we exceed them wherever possible.

We are always happy to discuss our service standards or demonstrate how we can tailor them to meet an Insurer’s specific requirements.