Homeowners
Drying, strip-out, temporary accommodation and a full rebuild to co-ordinate. We supervise it and hold the insurer to the true scope of works.
Home claims →
Free policy review, lines open 8am to 8pm, seven days a week
Your insurance claim, argued properly.
KBR Management acts only for policyholders. We prepare, evidence and negotiate major property and business interruption claims, so you are not facing your insurer’s adjuster alone.
One assessor
Direct line, start to settlement
Who we help
Three kinds of client, one standard of representation.
A family home, a trading business or a tenanted portfolio. Every claim is evidenced to the same standard.
Business owners
Material damage is half of it. We quantify interruption properly, gross profit, increased cost of working and indemnity period, and get you trading.
Commercial claims →
Landlords
Loss of rent, void periods, tenant liability and reinstatement sit in one claim. We keep works moving and rental income accounted for.
Landlord claims →Claim types
What we handle
Major and complex losses, typically above £50,000. Unsure whether yours qualifies? The review is free either way.
01
Fire and smoke
Salvage, odour remediation, contents schedules and full reinstatement, with alternative accommodation arranged early.
Learn more →02
Flood and storm
Drying and sanitation supervised to certificate, plus resilient reinstatement argued for where recurrence is a real risk.
Learn more →03
Escape of water
Burst pipes and long-running leaks, including trace-and-access, hidden damage and gradual-deterioration disputes.
Learn more →04
Theft and burglary
Evidencing loss without receipts, valuing specialist items, and settling security upgrades and damage to the building.
Learn more →05
Impact and subsidence
Vehicle impact, structural movement, and third-party recovery where someone else has caused the loss.
Learn more →06
Business interruption
Policy review, gross profit calculation, and interim payments negotiated while the business gets back on its feet.
Learn more →The difference
Assessor or adjuster, whose side are they on?
Both are claims professionals. The difference is who appoints them, and whose interests they represent.
Loss assessor
That is us+Appointed by you, the policyholder
+Prepares and presents the claim in your interest
+Negotiates scope, valuation and settlement for you
+One named contact on a direct line, no call centre
Loss adjuster
The insurer’s−Appointed and paid by the insurance company
−Expected to act independently, but instructed by the insurer
−Assesses liability and quantum against the policy wording
−Not there to maximise your settlement
Read the full explainer on the difference between a loss assessor and a loss adjuster.
Process
From first call to final settlement
1
Free consultation
We review your policy and the damage, and tell you honestly whether you have a claim worth pursuing.
2
Site visit and evidence
Full survey, photographic record, schedules of loss, and specialist surveyors instructed where needed.
3
Negotiation
We present the claim, challenge under-scoping, and secure interim payments to keep things moving.
4
Reinstatement
Contractors appointed and supervised to completion, with the final account agreed before we close.
Our fee
In most cases, our fee is paid by the insurer.
Most policies include a professional fees clause. Where it applies, our costs form part of the claim and there is nothing for you to pay. Where it does not, we set out our fee in writing before you appoint us, never after.
+No upfront cost, no obligation to proceed
+Terms in writing before any appointment
+Regulated conduct standards throughout your claim
“They challenged valuations that did not reflect the true scope of works. The gap between the insurer’s first offer and the final settlement was the whole argument for having someone experienced in the room.”
Client, escape of water claim
Homeowner in South East England
FAQs
Questions we get asked first
If yours is not here, call us. The advice costs nothing.
No. The adjuster acts for your insurer. You can appoint your own loss assessor to prepare and negotiate the claim on your behalf at any stage, including after an offer has been made.
In most cases nothing, because the professional fees clause in your policy covers our costs as part of the claim. Where that clause does not apply, we set out our fee in writing before you appoint us.
Usually not. We regularly take on claims that have stalled, been under-scoped or been declined. As long as the claim is not fully settled and closed, there is normally something to argue.
A serious fire or flood claim commonly runs six to eighteen months from incident to completed reinstatement. We push for interim payments early so you are not out of pocket while works progress.
Yes. We appoint and supervise surveyors, drying specialists and building contractors, and agree the final account with the insurer before the file is closed.
Start a claim
Tell us what happened. We will tell you where you stand.
A free, no-obligation review of your policy and your loss. If we do not think you need us, we will say so.