Claims Advocacy(DCSA)

Claim Advocacy

Claims settlement is where insurance value materializes or evaporates. Most brokers forward your loss notice and disappear.

92% Recovery Rate. 21-Day Average Settlement. This Is Why Clients Stay

When Disaster Strikes, We Fight

Industry Reality:

• 12-18+ weeks average settlement time

• 70-75% average recovery rate

• 15-20% of claims escalate to litigation

• Insurers deploy delay tactics and technical coverage defenses

The DCSA Difference

Datum Claims Settling Agency (DCSA) is our specialized claims unit with one mission: maximize your legitimate recovery.

How We Work

Immediate response

• 24/7 claims hotline

• Site inspection within 24 hours

• Emergency mitigation coordination

• Preliminary loss quantification for business planning

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Forensic Documentation

Professional loss documentation pre-empting common insurer objections:

• Detailed loss circumstances narrative establishing coverage

• Photographic/video evidence of damage

• Multiple contractor estimates

• Business interruption calculations with supporting financials

• Police reports, fire brigade reports, official documentation

• Expert reports (engineers, surveyors, forensic accountants) when needed

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Aggressive Advocacy

Active negotiation maximizing legitimate recovery:

• Coverage analysis identifying all applicable policy sections

• Valuation negotiation leveraging market pricing data

• Settlement strategy balancing rapid payment against maximum recovery

• Systematic escalation when insurers resist

Dispute Resolution

• Reinsurer engagement: Direct communication with reinsurance partners

• Regulatory intervention: IRA complaints when insurers violate fair practices

• Legal coordination: Working with counsel on coverage litigation when necessary

• Industry relationship leverage: Access to insurance company CEOs and IRA leadership

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Results That Matters

KSH 6.6M SAVE

How proper risk assessment saved a business from disaster

A logistics client's truck accident caused a massive diesel spill, triggering a chain of costly consequences.

The Situation

4.5M

Nema Fine

1.8M

Cleanup Cost

330K

Legal Fee

Most logistics companies don't have environmental liability coverage. This loss would have exceeded their annual profit.

The Problem

During initial risk assessment, we identified this gap and secured environmental liability coverage. When the incident occurred, the policy responded fully.

Our Solution

6.6M

Total Exposure

Result: Business saved. This is why proper risk assessment matters.

Why Competitors Can't Match This

Building DCSA required hiring experienced claims professionals and developing forensic capabilities investments that most brokers can't justify.

Capital Investment

Willingness to Confront

Aggressive advocacy risks underwriter relationships. We're independent enough to challenge insurers without existential risk.

Institutional Knowledge:

41 years learning which arguments work, when escalation is necessary and how to navigate regulatory interventions.

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Report Your Claim

Call our 24/7 hotline immediately after loss occurs

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Documentation

We compile comprehensive claim submission with all supporting evidence.

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Site Inspection

Submission & Negotiation

Site Inspection

DCSA team visits within 24 hours to assess damage and secure evidence.

We present claim to insurer and negotiate optimal settlement

Average 21 days from submission to payment in your account.

What makes claim fails

Common reasons insurers deny or reduce claims:

• Inadequate documentation (missing receipts, photos, reports)

• Late notification (policy requires "immediate" notice)

• Under-insurance (property values not updated, triggering average clause)

• Exclusions not understood (client thought coverage existed)

• Poor loss mitigation (client didn't take steps to minimize damage)