Frequently asked questions
What we get asked before the first meeting.
Direct answers, including the ones that don't help the sale.
- The insurer has already appointed a loss adjuster. Why would I need you?
- The loss adjuster is appointed and paid by the insurer, and their role is to review what you submit. We act on the policyholder's side and build what you submit. These are distinct functions and they do not substitute for one another. We are not questioning the adjuster's work; there is simply no one on the other side whose job is to assemble your claim.
- Can you work alongside my broker, my lawyer or the appointed loss adjuster?
- Yes, with roles recorded in writing. We do not displace the broker's intermediation role or counsel's legal strategy. We document who acts for whom so that no conflict arises.
- Are you lawyers?
- No. We issue no legal opinions, we do not determine coverage definitively and we do not appear in court. If the matter escalates to a dispute, the policyholder instructs a lawyer admitted in Colombia; we provide the quantification and evidence that strategy requires.
- What documents do you need to start?
- The full policy with schedule, general and particular conditions, certificates and endorsements; notice of loss and claim reference if one exists; the names of insurer, broker and loss adjuster; any claim or estimate already submitted; relevant correspondence; photographs, video and a timeline of the event; and the initial estimate of damage and expenditure incurred.
- Are fees for engineers, experts, valuers or lawyers included?
- No. Where a matter requires external specialists, the policyholder instructs and pays them directly. Nor do we undertake that the insurer will reimburse those costs: that depends on the wording, schedule and endorsements of your policy.
- How much time do I have?
- Statutory time limits run from the date of loss, and article 1081 of the Commercial Code governs prescription. Whatever the formal deadline, the later the file is assembled, the harder it becomes to reconstruct stock, turnover and timelines that were verifiable at the time.
- What happens to our financial information?
- It is handled under a confidentiality agreement, in a file segregated by client, with role-based access control and version history. We do not request sensitive documents through a web form: where appropriate, a controlled channel is opened.
- Can you step in once the claim is already advanced?
- Yes. We can be instructed at any stage: before figures are submitted, during the adjustment, or once an offer is on the table. The scope changes with the timing — what does not change is that every head of loss must be supported.