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Reinstatement Options

To return the insured property to a pre-loss condition, available reinstatement options must be identified. This requires a full understanding of the technical aspects of the claim, as well as an understanding of the operational processes of the insured and the terms of the insurance policy, with special consideration to business interruption and loss of market share caused by the covered loss.

Our experts will thoroughly review the circumstances of the loss, considering all the conditions on the ground and evaluating the various approaches to establish the most efficient, cost-effective reinstatement options to return the insured to pre-loss condition.

This can involve the following activities:

  • Reviewing of the insured business to analyse the impact of the loss on operations and to evaluate the best approach to minimise the commercial loss
  • Contacting and collaborating with contractors, equipment manufacturers, and authorised third part dealers to design the best approach to reinstatement
  • Calculating business interruption and evaluating the commercial impact on operations
  • Researching market conditions to determine the availability of repair and replacement options
  • Coordinating with the insured and insurers to evaluate temporary repair options that can assist in resumption of operations while a more permanent solution is finalised
  • Establishing project timing for various reinstatement activities

From the reinstatement of a waste treatment plant in North England to a large construction project in Doha, Qatar, our experts have provided insurers and their clients with options to ensure continuity of their business while saving insurers millions of dollars in the process by identifying the best reinstatement options.

Our experts have provided assistance to insurers and their clients to ensure a prompt return to production after catastrophic losses that include:

  • Major flooding to manufacturing plants along the banks of rivers
  • Contamination to complex manufacturing equipment following hurricane damage
  • Smoke contamination following major fires
  • Physical damage due to strong winds
  • Lightning damage to large power transformers in remote substations
  • Shipping damage to high-tech equipment


For more information or to contact one of our experts please call us on +44 (0)20 86141444