The work of the insurance broker does not end with the issuing of the policy. Far from it. The easiest part has already been done, but it remains to win over the customer confidence when it is most needed, in the event of an accident.
As we have seen in the first two instalments of “Siniestros - Casos Reales” (we leave you links to the Part I and the Part II), the work of the claims department is fundamental to consider a brokerage as professional. In this entry we focus on insurance household, The following three examples justify taking out this insurance with us and not with the bank or with an online company.
We solve the problem of the uninsured injured party
Our insured is the cause of damage to the neighbour below, the «injured party». Our client calls us because he has caused significant damage due to a water leak. We manage the repair of the source and the damage, both ours and the neighbour's, who also reports it to his home insurance (his damage is repaired by his company), Caser, and then charges our company for the repair, Reale).
As far as we are concerned, the claim is closed without conflict, as everything has been repaired, origin and damage. A few weeks later, the injured parties appear at our Brokerage, They say that the repair is badly done and that they have not clarified with Reale or Caser to find out which trade repaired the damage, so that they can claim them to redo the floor, which has buckled in a few days.
With a phone call from us to Reale, we confirmed that it was a Caser guild that did the repair, and by calling Caser internally, we got the name of the guild and located them so that the injured party could finally get the damage repaired correctly. In five minutes we were able to help these people, The workers, who had been with a damaged floor for weeks and desperate to find the guild to solve their problem.
Aesthetic damage and company blocking
A client is suffering from a burst pipe in the drain of his shower, forcing him to change the shower tray and apply aesthetics. Due to the fact that to repair the pipe the shower tray has to be broken, and that the accompanying shower enclosure does not fit the new types of shower tray, we have a problem.
The company applies aesthetics, but only to the bathroom tiles, they don't want to apply it to the screen. Finally, we talked to the surveyor and the company, and managed to convince them that they should apply aesthetics to everything. So we finally absolutely everything is repaired, without the insured having to pay a single euro.
If in doubt, change everything
In our client's home there is a overvoltage which led to the replacement of the extractor hood. The company's repairer verified that the origin of the damage to the extractor hood was an overvoltage, so the repair of the extractor hood was covered.
The problem was that there were no more spare parts for the hood, and the company did not agree to replace the entire hood as the fault was located in a small, very specific place. Finally, we managed to find a hood with similar characteristics and at a very good price, convincing the company to agree to a replacement instead of a repair that was not possible.
As you can see, these are a series of specific cases, but which are repeated quite frequently, whether they are of this type or different, but which undoubtedly make the work we can do in assisting our policyholders very valuable, mainly so that they do not have to get into trouble and we are the ones who have to fight with the insurers for them.
At PIB Group Iberia will defend your rights, to advise you when you take out the policy but, above all, afterwards. If you want to check it out, contact us, and we will offer you the best household insurance market.
