Main Duties and Responsibilities
- Maintaining confidentiality and neutrality without jeopardising the liability of the insurer and claim of the insured;
- Conducting inspection and re-inspection of the property in question suffering a loss;
- Examining, inquiring, investigating, verifying and checking upon the causes and the circumstances of the loss in question including extent of loss, nature of ownership and insurable interest;
- Conducting spot and final surveys, as and when necessary and comment upon franchise, excess/under insurance and any other related matter;
- Estimating, measuring and determining the quantum and description of the subject under loss;
- Advising the insurer and the insured about loss minimisation, loss control, security and safety measures, wherever appropriate, to avoid further losses;
- Commenting on the admissibility of the loss as also observance of warranty conditions under the policy contract;
- Surveying and assessing the loss on behalf of insurer or insured;
- Assessing liability under the contract of insurance;
- Pointing out discrepancy, if any, in the policy wordings;
- Satisfying queries of the insured/insurer and of persons connected thereto in respect of the claim/loss;
- Recommending applicability of depreciation, percentage and quantum of depreciation;
- Giving reasons for repudiation of claim, in case the claim is not covered by policy terms and conditions;
- Taking expert opinion, wherever required;
- Commenting on salvage and its disposal wherever necessary.