Household contents & homeowners claims assessors
For most policyholders a claim on their home or belongings is stressful and personal. We handle these claims with care and clear communication, while giving the insurer an accurate, independent view of the loss.
Sterling Assessing assesses household contents, homeowners buildings and specified all-risks claims, including jewellery, cameras, cellphones and other portable possessions.
What we assess
Personal Lines Claims we handle
Our assessors work from Pretoria and travel to sites in all nine provinces of South Africa.
- Household contents claims
- Homeowners buildings claims
- Burglary and theft
- Power surge and lightning damage to appliances
- Water and geyser damage to contents
- Specified and unspecified all-risks items
- Jewellery, watches and portable electronics
- Proof of ownership and replacement values
Our approach
How we assess household claims
- 01
Prompt contact and site visit
Once instructed, we contact the insured, explain the process and arrange an inspection. Our assessors travel to the site anywhere in South Africa.
- 02
Ownership, value and circumstances
We verify proof of ownership, confirm the circumstances of the loss (including police case details for theft) and establish fair replacement values for like-for-like items.
- 03
Quantification against the policy
Quotes, invoices and replacement values are tested against market rates and the policy wording, including limits, excesses and any under-insurance.
- 04
Clear report and recommendation
The insurer receives a concise, evidence-based report with photographs and a settlement recommendation, and every step is tracked hourly in our own claims management system.
FAQ
Personal Lines Claims: common questions
What counts as proof of ownership?
Original receipts, bank or card statements, valuation certificates, warranty cards, photographs of the items, and the original packaging all help. We work with whatever is available.
What is under-insurance (average)?
If the sum insured is lower than the actual replacement value of everything insured, many policies reduce the claim payout proportionally. Our contents inventory and valuation services help prevent this.
Do you assess claims for jewellery and specified items?
Yes. We assess specified and unspecified all-risks items, including jewellery, cameras, cellphones and laptops, and confirm replacement values with suppliers where needed.
Need an independent assessor?
Email [email protected], call 012 880 4733, or send us a WhatsApp. We cover all of South Africa from our Pretoria office.
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