Property

Fire, flood, burglary and riot damage to commercial and residential property, from first inspection to settlement.

Property claims range from a burst pipe in a home to a building destroyed by fire or civil unrest. In every case the questions are the same: what caused the damage, does the policy respond, and what will it genuinely cost to put right. We answer them with evidence from the site, not from the claim form.

Our adjusters work with quantity surveyors and structural engineers to test repair estimates, check asset registers against what is on site and identify salvage, for both commercial and residential property.

Specialist Areas

We offer specialist adjusting support in the following areas, including but not limited to:

Fire and special perils
Riot, strike and civil commotion
Flood, storm and structural damage
Burglary and theft
Buildings, plant, equipment and stock
Business interruption following property damage
Advice to co-insurers and reinsurers

Our Results in Property

Broadcasting Facility Destroyed During the END SARS Protests

In October 2020, hoodlums vandalised and set fire to a broadcasting facility in Lagos, causing catastrophic damage to the studio building, broadcasting equipment and other assets.

We documented the damage, assessed 44.8% of the building's structural members as "poor", and reconciled the asset registers against what we found on site, identifying salvageable items that had been claimed as total losses. Read the case study.

Fire in an HVAC Condenser Room

A fire that started in an HVAC condenser room at a client's Abuja branch damaged equipment and structures across several floors.

Our quantity surveyors compared the contractor's bill with an independent assessment of the damage, identified the discrepancies and adjusted the costs to reflect the actual loss.

Collapse of a Cantilever Beam at a Residential Building

A cantilever beam on a residential building collapsed, and the owner claimed for the structural damage.

With consulting quantity surveyors we investigated the site and reviewed the contractor's estimates. We found that rainwater infiltration and likely construction defects caused the collapse, which fell outside the perils the policy covered, and we applied the underinsurance provisions to the restoration costs.