How our fees work.
On most claims you pay us nothing directly. The builder who reinstates your property is paid by the insurer for the works and pays us for the network arrangement out of what they receive. If you would rather use your own builder or take a cash settlement, we still act on the claim and charge a percentage of the final settlement, agreed with you in writing before we start.
For most homeowners, there is nothing to pay us directly.
A fire, a flood or a serious escape of water at home is more than enough to deal with on its own. On most household claims you pay us nothing directly. The builder from our network who reinstates the property is paid by the insurer for the works and pays us for the network arrangement from what they receive.
How we get paid
The builders in our network are ones we have worked with successfully on similar household losses. When one of them is appointed on your job, they pay us for the introduction and the ongoing case management from what the insurer settles with them.
Your policy settlement is the same figure it would be anyway. Nothing is added to it for our benefit and nothing is deducted from it. We tell you this on the first call, before you agree to anything.
If you use your own builder
You are not tied to our network. If you already have a builder you trust, would rather keep the one the insurer has proposed, or want a cash settlement so you can organise the works yourself, we can still run the claim for you.
On those claims we charge a fee against the final settlement, agreed with you in writing before we start. The uplift we push for on the claim is designed to more than absorb it.
What the free first call covers
- Read the policy and confirm what should be covered on this loss
- Walk you through the pinch points we already see on this type of claim
- Set out what appointing us would look like and how the fee arrangement would work
- Answer anything you would rather not raise with the insurer or their loss adjuster
The free first call is where you find out where you stand. We read the policy, look at the loss and tell you honestly whether you have a claim worth pursuing and how the fee arrangement would work in your case.
For most business claims, you pay us nothing directly.
A serious fire, flood or interruption event puts trading, staff and cash flow under pressure all at once. On most commercial claims you pay us nothing directly. The reinstatement contractor comes from our network and is paid by the insurer for the works, and pays us for the network arrangement from what they receive.
How we get paid
On most commercial claims the reinstatement contractor comes from our network of firms we have used on similar losses. They are paid by the insurer for the works and pay us for the network arrangement out of that.
Your material damage award and your business interruption settlement are the figures they should be. Nothing is added to either and nothing is taken from them. You will know this before you appoint us.
If you use your own contractor
If you would rather run the works through your own builder, keep the insurer’s contractor or negotiate a cash settlement to organise things yourself, we can still act on the claim for you.
On those we charge a fee against the final settlement, agreed with you in writing before we start. On a commercial claim the uplift we secure over the insurer’s opening position is generally more than enough to absorb it.
What the free review covers
- Read the policy across material damage, contents and business interruption
- Give an initial view on quantum, indemnity period and interim payments
- Set out what representation would look like and how the fee arrangement would work
- Answer anything you would rather not raise with the insurer or their loss adjuster
The free review looks at cover, scope and the interruption side together. If a claim is worth pursuing we tell you what representation would look like and how the fee arrangement would work, in writing, before anything is signed.
For most landlord claims, you pay us nothing directly.
Loss of rent, void periods, tenant liability and reinstatement all sit inside one claim on a let property. On most landlord claims you pay us nothing directly. The reinstatement contractor comes from our network and is paid by the insurer for the works, and pays us for the network arrangement. Your loss of rent element settles directly to you.
How we get paid
On most landlord claims the reinstatement contractor is one from our network. They are paid by the insurer for the works and pay us for the network arrangement from what they receive. The loss of rent element is settled by the insurer directly to you.
Your policy settlement is the figure it would have been anyway. Nothing is added to it and nothing is deducted. You will know this before appointment.
If you use your own contractor
If you would rather use a builder you already know, keep the insurer’s contractor or take a cash settlement and manage the works yourself, we can still run the claim.
On those we charge a fee against the final settlement, agreed with you in writing before we start. The uplift we push for on landlord claims is designed to more than cover it.
What the free first call covers
- Read the policy including the loss of rent and reinstatement wording
- Give an initial view on scope, void periods and tenant liability
- Set out what appointing us would look like and how the fee arrangement would work
- Answer anything you would rather not raise with the insurer or their loss adjuster
The free first call sets out the fee position before anything else. You will know what your side of the claim looks like, what the insurer should be paying and how the arrangement would work in your case, before you decide.
Regulated conduct on every claim.
KBR Management Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 792982. Regulated conduct standards apply from your first enquiry through to final settlement, including client money handling, a documented complaints procedure, and escalation to the Financial Ombudsman Service.
No small print, no surprises.
Every appointment starts with a Terms of Business letter. It sets out the scope of work, the fee basis, how and when a fee becomes payable, and the complaints procedure. Nothing is signed until you have read it and are comfortable.
We never cold call
You come to us, or your broker or solicitor introduces you. We do not knock on doors after a fire or flood, we do not chase incidents, and we do not sign anyone up on site under pressure.
Nothing before the review
The first call and the policy review are free. We only talk about fees once we have read the wording and know how the arrangement would work in your specific case. Nothing is agreed until you have seen it in writing.
Written before you sign
Where a fee is payable by you, the amount, the calculation and the timing all go in writing before you appoint us. If it is not in the letter, it is not payable.
What you get for the fee.
Whether the insurer pays us or you do, this is the standard of representation the fee buys.
One senior contact
A named assessor on a direct line from first call to final settlement. No call centre, no re-explaining your file.
Evidence built early
Photography, schedules of loss, specialist surveys and receipts, gathered in the first days and kept in one place.
Scope argued in full
Under-scoping is the single most common way a policyholder loses out. We measure and specify the true works required.
Interim payments pushed
We chase early interim payments so you are not out of pocket while works progress and while the settlement is negotiated.
Contractors supervised
We appoint and supervise trades to completion, and agree the final account with the insurer before the file is closed.
Regulated conduct
FCA authorised firm, documented complaints procedure and Financial Ombudsman escalation route from start to finish.
The fee questions we get asked most
If yours is not here, call us. The advice costs nothing.