Settlement of property insurance claims

We undertake to perform the initial assessment of occurrences and to inspect damaged property on behalf of insurance companies and other customers as part of property insurance claims settlement. We will send the completed claim file together with the claim calculation to our partners after obtaining all the necessary and available supporting documents.

01 Notifying a Claim

Please, make sure you notify your claim to the competent insurance company.

When notifying a claim, please make sure you provide your contact details (particularly your mobile phone number or your e-mail address) so that our expert can arrange an appointment with you for the claim settlement.

If you have valid insurance coverage, please contact your insurer for information on how to make a claim. 

02 Claim Inspection

Methods of Claims Settlement:

  • Claim Settlement with on-site inspection
  • Claims Settlement with video inspection
  • Claims Settlement via telephone
  • Claims Settlement via the office

The optional methods of settling claims are determined by the insurance company guidelines. Upon receipt of the order to inspect the claim, we will try to contact you within one working day. We will also inform you about the method of claim settlement. After confirming the time and place of the inspection, the damage will be inspected within three working days.

We kindly ask you to take photos of the damage after the occurrence has been discovered and notified.  You should take the necessary measures to prevent further damage, but if possible do not change the condition of the damaged property.

During the inspection, the expert will take photographs – in a video damage inspection, the damage is documented by a video recording as well as photographs – and will then prepare a damage inspection report. If appropriate, you will be advised on what additional documents you will need to submit to the insurance company for the assessment of your claim.

03 Claim Calculation

Upon receipt of all the documents necessary for the settlement of the claim, our expert will make a payment recommendation to the insurance company based on the following possible sources:

Calculation

In this case, our expert will prepare an estimation of the costs of repairing or restoring the damage presented.

Quote

We kindly ask you to send the itemized quote obtained from a prospective contractor to one of the contact details provided by the expert during the inspection, and make sure you indicate the claim reference number.

Invoice

You can of course submit an invoice to prove the cost of repairing the damage. In this case, please send the original invoice issued by the contractor carrying out the repair and its itemized invoice as described in the paragraph on Quote above.
  • Calculation

    In this case, our expert will prepare an estimation of the costs of repairing or restoring the damage presented.
  • Quote

    We kindly ask you to send the itemized quote obtained from a prospective contractor to one of the contact details provided by the loss assessor during the survey, and make sure you indicate the claim reference number.
  • Invoice

    You can, of course, submit an invoice to prove the cost of repairing the damage. In this case, please send the original invoice issued by the contractor carrying out the repair and its itemized invoice as described in the paragraph on Quote above.

Contact us

Have a question? We are happy to assist you.
Next

04 Recommended Payment

A kárrendezés további folyamata, így a jogalap elbírálás, fizetési kötelezettségvállalás, valamint a kártérítés kifizetése a biztosító jogosultsága és feladata. Valamennyi általunk számolt kárösszeg tájékoztató jellegű, a biztosítótársaság az érvényes szerződési feltételekre, valamint egyéb körülményekre való tekintettel (pl. előzménykárok) módosíthat a kárösszegen és jogalap tekintetében is.

Secondary Inspection

Amennyiben a kárfelvételt követően új körülmény merül fel, pótszemle igényüket kérjük szíveskedjenek az illetékes biztosítótársaságnál jelezni.

05 Documents required to be submitted include

Damage to buildings:

  • itemized invoice on repair and restoration works, quote, detailed budget
  • invoice for the repair of broken glass
  • invoice for unclogging
  • lin the event of water damage (soaking) by negligence, Statement to Admit Liability by the party at fault (download: Hungarian, English, German) or Data Form (download: Hungarian, English, German)
  • Loss Payable Statement (download: Hungarian, English, German)

Damage to contents:

  • document in proof of type and origin (original purchase invoice, letter of guarantee)
  • detailed property damage declaration form (download: Hungarian, English, German)
  • for businesses: inventories, purchase invoices, delivery notes
  • inventory of contents (download)

The following list shows what additional documentation may be required for each type of peril:

  • In the event of fire, or explosion or lightning causing fire: Fire authority certificate
  • In the event of burglary, robbery, vandalism, malicious damage: Police report or binding court decision (court judgment)
  • In respect of third-party liability claims: Statement to Admit Liability by the party at fault (downloadable from here)
  • For damage to technical equipment: Form to be handed over to the provider who carries out the repair or prepares the expert opinion (downloadable in: Hungarian, English, German). Please ask the provider/expert to return any replaced, qualified part, as it must be presented to the loss assessor.
  • For water loss claims: Water utility service certificate (download from here).

If additional documents are required to settle the claim, our expert will advise you of this at the time of the damage survey.

Legal background to property insurance claims settlement

Act LXXXVIII of 2014 on the Business of Insurance
Act V of 2013 on the Civil Code

Contact us!

+36-1-433-4101, +36-1-433-4102
info@atotalinsurtech.com
1158 Budapest, Késmárk utca 14/b
This website is operated by Atotal Insurtech Kft. The structure, graphics and content of the website are protected by copyright. The texts and images published on the website may include external content that is the intellectual property of third parties. Atotal Insurtech Kft. is entitled to display this content on the basis of an exclusive licence. All forms of commercial use of the content of this website are prohibited. The content on this website is for information purposes only. While Atotal Insurtech Kft. continuously checks the content published on the website and takes all reasonable steps to ensure that the information is kept up to date, it does not guarantee or warrant that all information is accurate or complete. Atotal Insurtech Kft. shall not be liable for any loss or damage arising from the inaccuracy of the information published herein, or from any technical problems encountered, and reserves the right to change the content of the website at any time.
Privacy Notice
Data Protection Officer: Generali Biztosító Zrt.
Mailing Address: 7602 Pécs, PO Box 888, adatkezeles.hu@generali.com