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Our Services
​​​The Southern Cross Adjusting team of experienced loss adjusters provide a personalized and professional service to meet the unique requirements of each claim. While we take on all insurances claims other than marine or motor, we specialize in the following types of policies:
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Public liability
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Construction liability
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Professional indemnity
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Products liability
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Commercial/Industrial property
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Machinery breakdown
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Contractor's all risk
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Mining (plant and equipment)
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Renewable energy
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Forestry (timber)
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Security
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From thorough investigation, quality reporting, accurate claim auditing to expertly negotiating settlements, we're committed to handling all claims diligently. ​​
Understanding the loss adjusting process
At Southern Cross Adjusting, we believe in transparency and clarity throughout every step of the loss adjusting journey. While we work as an agent of the Insurance company, our role is an independent one and we aim to find a solution which is fair for all parties involved. In the section below, we provide a simplified overview of our process, outlining the key steps involved in handling insurance claims.
01
Documentation and Investigation
The process begins once the insurance company or underwriter issues instructions to the loss adjuster to handle a claim. The loss adjuster will then contact the policyholder and begin to investigate the circumstances of the claim. The investigation may take place by means of a site visit, or by a virtual interview. The loss adjuster will gather information and verify the supporting documents obtained from the policyholder.
02
Determination of Policy Liability
Once the circumstances of the claim have been investigated, the loss adjuster will examine the policy and determine its applicability to the claim. The loss adjuster will establish whether the claim falls within the policy cover and to what extent.
03
Confirmation of Quantum
Based on the information gathered, the loss adjuster evaluates the quantum of the claim and determines the appropriate amount of compensation under the policy. The loss adjuster will then compile all of the above into a report, which is submitted to the insurance company for their feedback.
04
Resolution and Payment
After the insurance company has approved, the loss adjuster will negotiate with the policyholder to reach a fair and equitable settlement that covers the damages or losses incurred. Once a settlement is reached, the insurance company issues payment to the policyholder to cover the damages or losses. The claim is then closed, and the policyholder can proceed with repairing or replacing the damaged property or resolving other issues related to the claim.