Declined or Disputed Claims
If your insurer has declined your claim or offered only a partial settlement, we can provide an independent second opinion.
We review the evidence, reasoning, and communication to determine whether the decision seems reasonable, and explain why.
If the facts support another outcome, we’ll help you prepare a clear, factual response or report.
Examples of claims we review:
Water damage written off as “gradual”
Storm, wind, or impact events later classed as “maintenance”
Fire or electrical damage disputes
Partial settlements that don’t reflect full scope of loss
Gradual Damage Claims
“Gradual damage” is one of the most common — and misunderstood — reasons for declined claims.
Policies rarely define what “gradual” means, which leaves room for interpretation.
We assess the likely cause and timeframe of the damage to clarify whether the insurer’s position is reasonable.
In many cases, this clarification helps reopen or resolve declined claim
Water, Leak, Impact and Other Claim Types
From leaking pipes and roof failures to vehicle impacts or storm damage — these claims can quickly become complicated.
We help you clarify what caused the loss, what’s affected, and whether the proposed repair or decline is justified.
Sometimes that means reviewing photos and reports; other times, a targeted site visit if it genuinely adds value.
Fire and Smoke Damage
Even small fires can cause widespread secondary damage that’s easy to overlook.
We review the insurer’s scope, repair plan, and assumptions to ensure all affected areas are identified and addressed properly.
Guidance for Brokers and Professionals
We also assist brokers, property managers, and legal advisers who need independent clarity on complex or disputed claims.
Our reviews and reports provide technical accuracy and support professional advice.
Not Sure Where to Start?
If you’re unsure which service applies to your claim, start with a free claim review.
We’ll look at your situation and tell you what kind of support is most appropriate — saving you time and unnecessary cost.
Independent insurance claim review and support for homeowners, brokers, and property owners across New Zealand.
