Insurance survey and loss-assessment reports

At a glance

Ask for and preserve the relevant assessment material through the proper process. A repair estimate, survey report and final claim decision are different documents.

Law and context

Section 64UM of the Insurance Act addresses surveyors and loss assessors in its statutory scope. The report’s relevance must be assessed with policy coverage, supporting evidence and the insurer’s reasons; it should not be treated as the entire legal decision.

Practical next step

Compare the claimed items, assessed items and deductions in a table. Identify factual discrepancies with genuine invoices, photographs and inspection history.

Important qualifications

Do not alter damage after inspection to support a larger claim. This guide does not determine the binding effect of a particular survey report.

Document checklist

• Survey or assessment report
• Itemised claim
• Photographs and invoices
• Insurer's decision

Sources

• The Insurance Act, 1938 — 64UM
• The Consumer Protection Act, 2019 — 38,39

General information. The appropriate course depends on the complete facts, documents and applicable law. Editorial process and website disclaimer.