Major and complex losses require more than a quick estimate of damage. They need an independent team that understands what happened, identifies the cause, inspects the damage, reviews the insurance policy and reaches a clear and fair settlement figure.

Hatem J. Ismail & Partners Co. provides loss-adjusting services to insurers, reinsurers, brokers and commercial and industrial clients. Our team combines experience in loss adjusting, engineering, financial review and field investigation.

We are also supported by a specialist network of qualified consultants and engineers, working under our direction and engaged when required by the nature of the claim. Their expertise includes electrical and power systems, industrial and manufacturing facilities, mechanical systems, civil and structural engineering, construction and other relevant technical disciplines.

How We Handle a Claim

From the moment a claim is notified, we gather information, inspect the site, review the policy and supporting documents, assess the damage and determine the amount properly payable.

Our experienced financial and stock-assessment team works under our direct supervision to review financial records, stock records, invoices and other supporting documents. Where records are unavailable or need verification, we carry out a physical stocktake to clearly separate damaged stock from sound stock and establish the loss on a documented basis.

Every assignment is handled in accordance with the policy terms, conditions, limits, exclusions and deductibles, as well as applicable laws and regulations.

What Our Reports Cover

Our reports set out the claim process clearly, from notification through to the recommended net settlement:

1. Claim Notification and Immediate Actions: Recording the incident and appointment details, and identifying immediate steps to protect property and prevent further loss.

2. Site Inspection and Evidence: Inspecting the site, documenting damage, and preserving relevant evidence, photographs, records and technical reports.

3. Damage Assessment and Document Review: Identifying damaged property, stock or works, and reviewing invoices, quotations, financial records, stock records and supporting documents.

4. Cause Investigation: Establishing the circumstances and cause of the incident, taking into account the official Civil Defence report, where available, any reports issued by relevant government authorities, site findings and available technical evidence. Specialist experts are engaged where required.

5. Policy Coverage Review: Reviewing the policy to confirm that it was in force at the date of loss, the insured location and property, the cause of loss, and whether the damage falls within the policy cover. We also review sums insured, limits, exclusions, conditions, deductibles, underinsurance and, where applicable, the indemnity period for business interruption.

6. Technical and Financial Assessment: Assessing the reasonable cost of repair, replacement or reinstatement, verifying quantities and rates, and determining the value of damaged stock and property.

7. Additional Losses: Assessing business interruption, increased cost of working and other insured losses, where applicable.

8. Salvage and Policy Adjustments: Assessing salvage value and applying depreciation, betterment, underinsurance, policy limits and other relevant adjustments.

9. Net Settlement Recommendation: Preparing a clear adjustment summary showing the claimed amount, assessed loss, applicable deductions and the recommended net settlement after salvage and the policy deductible.

Value to Clients

We provide a clear view of the cause of loss, the policy response, the extent of damage and the appropriate settlement amount. Our work is based on inspection, evidence, documentation and technical expertise, helping all parties understand the claim and reach a fair, organised settlement.

Sectors We Serve

Our experience includes claims involving property and commercial facilities, industrial and manufacturing operations, energy and utilities, construction and engineering projects, warehousing and cold storage, hospitality, retail, healthcare, business interruption and other consequential losses.

Why Hatem J. Ismail & Partners Co.

We bring long regional experience in handling major and complex claims, supported by a specialist team and a broad network of technical experts. We provide independent, clear and technically sound loss-adjusting reports that help all parties reach a fair settlement in accordance with the insurance policy.

Submit a Claim Assignment

For a major loss assignment, complex claim or technical consultation, please contact our head office in Amman.