Major Loss Insurance Works

In major loss situations, time is critical.

Water-damaged structures continue to deteriorate, fire-damaged materials weaken, and exposure to weather accelerates corrosion and mould.

What might have been contained to one section of a building can quickly spread to affect entire floors or systems.

Every week of delay compounds the eventual repair bill, increases reinstatement complexity, and heightens disputes between insurers and insured parties.

Insurers and regulators expect timely, compliant remediation following a major loss.

Failing to act quickly can lead to rejected claims, reduced coverage, or breaches of building safety codes.

Just as importantly, tenants and businesses are displaced longer, creating reputational damage for building owners and added financial stress through lost rental income, alternative accommodation costs, and potential legal action from occupants or stakeholders.