Executive Summary
The claims process does not end at settlement. Precision Loss Adjustors provides post-repair and post-replacement evaluation services that verify reinstatements were completed to specification, assess whether replacement equipment performs as intended, and provide underwriters with the technical confidence to close claims files. Our post-claims capability protects insurers from latent defects and incomplete reinstatements.
Focus Areas
- Post-Repair Inspection
- Compliance Verification
- Performance Testing
- Latent Defect Advisory
Post-claims verification is the most overlooked and undervalued capability in the adjusting industry. Insurers routinely settle substantial sums — often hundreds of thousands or millions of dollars — without independently verifying that the reinstatement was actually completed as agreed. This creates exposure to latent defects, incomplete repairs, inferior material substitutions, and future re-claims. Precision Loss Adjustors' post-claims service closes that gap by providing independent, technical sign-off that the insured's asset has been restored to its pre-loss condition and functionality.
How We Operate
Reinstatement Review
We compare the completed repair works against the original claims report specification. Every element is checked — materials used, workmanship quality, code compliance, and whether any shortcuts or substitutions have been made.
Performance Verification
Where applicable, we commission or witness functional and performance testing of replaced equipment. Vibration analysis, electrical testing, pressure testing — confirming the asset meets pre-loss operational parameters.
Closure Recommendation
Formal technical recommendation on whether the file can be safely closed. Where further remediation is required, we provide a detailed punch list with estimated costs and timelines.
Detailed Capabilities
Post-Repair Inspection
Comprehensive on-site verification that all approved repair works have been completed to the originally specified standard. Detailed photographic documentation of completed reinstatement works compared against the approved scope.
Compliance Verification
Confirmation that all reinstatement works comply with applicable building codes, manufacturer specifications, industry standards, and regulatory requirements. Verification that replacement materials match specified grades.
Performance Testing
Where applicable, functional and performance testing of replaced equipment to ensure it meets pre-loss operational parameters. Includes vibration analysis on rotating equipment, electrical testing, and pressure testing.
Latent Defect Advisory
Expert assessment and written advisory on potential latent defects that may develop after reinstatement. Particularly relevant for fire damage to structural steel, water ingress into electrical insulation, and fatigue damage to rotating machinery.
Reinstatement Certification
Formal sign-off and certification that reinstatement works are complete, compliant, and fit for purpose. This documented certification enables insurers to close files with technical confidence.
Underwriter Reporting
Detailed technical reports to underwriting and claims teams, recommending whether claims can be safely closed or whether further remediation is required before file closure.
“Settlement is not closure. True closure requires independent verification that the reinstatement was completed correctly.”
Our Approach