Claim Rejected
A Crawford investigation or technical conclusion is being relied upon in refusing cover.
Loss Adjuster · Technical Claims · TPA
Crawford Handling Your Insurance Claim? Challenge the Report, Valuation or Decision
If Crawford has investigated your loss, the insurer may now be relying on a loss-adjuster report, survey, engineering conclusion, valuation or other specialist evidence to determine what happens next.
Insurance Dispute Service can independently examine the policy, Crawford reports, technical evidence, valuations and correspondence where a claim has been rejected, reduced, delayed or become technically disputed.
80+
Years in loss adjusting
Crawford brings substantial technical resources to an insurance claim.
Crawford describes itself as having more than 80 years’ experience in loss adjusting. Its UK Major & Complex Loss operation brings together loss adjusters, accountants, engineers, surveying expertise, forensic specialists and loss-mitigation professionals for technically demanding claims.
Your Problem
What has happened since Crawford became involved?
Visitors rarely search for a loss adjuster out of curiosity. Usually a report, claim decision or financial consequence has made the Crawford name important.
Settlement Too Low
The proposed valuation or scope does not appear to reflect the actual insured loss.
Cause of Damage Disputed
Engineering, surveying or other evidence supports a cause of loss you believe is wrong.
Subsidence Claim Problem
Movement, trees, soil conditions, damage or the appropriate repair solution has become disputed.
Business Interruption Too Low
Turnover, gross profit, indemnity period, mitigation or other financial assumptions are contested.
Claim Against Your Business
Crawford is investigating liability following an incident in which your business is alleged to be responsible.
Who Is Crawford?
Crawford may investigate and assess your loss without being the insurance company that issued your policy.
Crawford & Company is a global claims organisation providing loss adjusting, claims administration and specialist technical services.
Depending on the claim, its involvement may extend beyond a traditional loss adjuster. Specialist Crawford teams cover areas including major loss, property, subsidence, casualty and liability, forensic accounting, surveying, engineering and third-party administration.
That means a disputed position may contain several distinct conclusions: what caused the damage, what work is required, what the loss is worth and how the policy responds.
Those conclusions should not be treated as one indivisible answer. Each can be examined against the underlying evidence.
How Did Crawford Become Involved?
The insurer may have appointed Crawford because the claim required investigation or specialist technical assessment.
01
Insurance Claim
A policyholder reports property damage, financial loss or another insured event.
02
Crawford Appointed
Crawford becomes involved in loss adjusting, administration or specialist investigation.
03
Technical Investigation
Adjusters, surveyors, engineers, accountants or other specialists examine the loss.
04
Conclusion Reached
A view develops on causation, coverage, scope, liability or financial value.
05
Claim Position
The insurer or authorised claims handler uses that evidence when deciding the claim.
A Crawford report can be influential. But is the conclusion actually supported?
In a technical insurance dispute, a report can become the foundation for a much larger decision.
An opinion about the cause of cracking may affect a subsidence claim. An engineering view may determine whether damage is covered. A scope prepared after a major loss may affect hundreds of thousands of pounds of reinstatement expenditure.
A forensic accounting calculation can materially affect a business interruption settlement.
The correct question is therefore not merely “Crawford says this — can I complain?” It is: what evidence supports the conclusion, what assumptions were made and does the policy justify the resulting decision?
Crawford Claims Can Become Highly Technical
The route to challenge depends on which specialist conclusion is driving the dispute.
Large property, commercial and technically complicated insurance losses.
Damage assessment, scopes, repair methodology and reinstatement costs.
Technical investigation of movement, causation, monitoring and repair solutions.
Business interruption, stock, loss of rent and other financial loss calculations.
Investigation of incidents where another person or business may be alleged to be responsible.
Claims management undertaken for insurers and other organisations.
What Can Be Challenged?
Break the disputed position back down into questions that can actually be tested.
01
Cause of Damage
Does the physical evidence support the cause being asserted?
02
Policy Interpretation
Does the wording actually produce the coverage position being relied upon?
03
Scope of Works
Has all necessary repair, reinstatement and professional work been identified?
04
Repair Methodology
Is the proposed technical solution appropriate and sufficient?
05
Valuation
Do quantities, rates and deductions accurately reflect the loss?
06
Business Interruption
Are turnover, gross profit, mitigation and indemnity assumptions correct?
07
Expert Assumptions
What facts did the expert rely upon and are they complete and accurate?
08
Decision Chain
Which Crawford conclusion influenced the decision and who can reconsider it?
Crawford Subsidence Claim?
Subsidence disputes deserve particular care because the technical diagnosis can determine the entire claim.
Crawford operates a dedicated UK subsidence service using specialist consultants, claims handlers and technology to investigate and manage subsidence losses.
Where the outcome is disputed, relevant questions may include the cause of movement, soil conditions, influence of vegetation, monitoring evidence, whether movement remains progressive and what repair methodology is appropriate.
If a Crawford subsidence report is being relied upon to reject, restrict or determine a claim, the underlying technical reasoning can be examined rather than simply accepted at face value.
Crawford Contacted Your Business?
Crawford may also be investigating a liability claim being made against you.
Crawford operates casualty and liability adjusting services in the UK. In that situation the claim may be fundamentally different from a dispute about your own damaged property.
Someone may be alleging that your company caused injury, property damage, financial loss or another insured liability.
The business should identify who is making the claim, what duty or liability is alleged, what caused the alleged loss, how the value has been calculated and whether your own insurer should respond.
Explore Professional & Business Claims Defence →
The Problem
A Crawford report or calculation is now standing between you and the outcome you expected.
The file may contain technical terminology, expert reports, surveys, financial calculations and insurer correspondence.
But the real dispute may turn on only one or two critical conclusions.
The challenge is identifying which conclusion matters, why it matters and what evidence could realistically change it.
The IDS Solution
We independently reconstruct the claim and test the evidence behind the disputed position.
Insurance Dispute Service can examine the policy, Crawford correspondence, loss-adjuster reports, expert evidence, scopes, quotations, calculations and insurer decision.
We identify what Crawford has concluded, what evidence supports it, how that conclusion has affected the claim and where the position may be vulnerable to challenge.
Depending on the dispute, the next step may involve further evidence, valuation analysis, negotiation, specialist expert input, barrister advice, claims defence or litigation support.
What to Send Us
We need the evidence behind the position, not just the final decision.
Insurance policy and schedule
Crawford correspondence
Loss adjuster reports
Surveyor / engineer reports
Photographs and inspection evidence
Scope of works
Contractor quotations
Business interruption calculations
Insurer decision / settlement letter
Related IDS Support
Follow the route that matches the Crawford problem.
Insurance Settlement Too Low
Where valuation, scope or calculation leaves a material shortfall.
Underpaid claims → Business Insurance ClaimsCommercial property, business interruption and other substantial business losses.
Business claims → Claims Against Your BusinessWhere Crawford is investigating liability involving your company.
Claims Defence → Insurers & Claims HandlersIdentify another organisation involved in the claim or decision chain.
View company directory →Frequently Asked Questions
Crawford insurance claim questions
Is Crawford my insurance company?
Not necessarily. Crawford provides loss adjusting, claims administration and specialist claims services. The insurer providing your insurance contract should be identified from your policy schedule and wording.
Why has Crawford been appointed to my insurance claim?
Insurers and other organisations may appoint Crawford where claims investigation, loss adjusting, technical expertise, valuation or claims administration is required.
Can I challenge a Crawford loss adjuster report?
A loss-adjuster report can be examined against the policy, factual evidence, photographs, surveys, engineering evidence, quotations, repair requirements and other relevant material. Whether a viable challenge exists depends on the individual claim.
What if I disagree with Crawford about subsidence?
A subsidence dispute may require examination of movement, cracking, soil conditions, vegetation, monitoring data, causation evidence and the proposed repair solution. The appropriate evidence will depend on the property and claim.
Can a Crawford business interruption calculation be challenged?
Business interruption calculations may involve turnover, gross profit, trends, mitigation, increased costs, indemnity periods and other assumptions. Those assumptions can be examined against the policy and the business’s financial evidence.
What if Crawford is investigating a claim against my business?
Establish who is making the claim, what liability is alleged, what evidence supports it, how the amount has been calculated and whether your own liability insurer should be notified. Investigation alone does not establish liability.
Is Insurance Dispute Service affiliated with Crawford?
No. Insurance Dispute Service is independent of Crawford. The company name is used only to identify a claims organisation that may be involved in a visitor’s insurance dispute.
Insurance Dispute Service is independent of and is not affiliated with Crawford & Company or any related company. Crawford and associated trade names belong to their respective owners. References are included for identification and informational purposes only. Crawford performs different roles under different appointments and nothing on this page implies that Crawford has acted improperly in any individual matter. This page provides general information only, is not legal advice and no particular outcome can be guaranteed.
Crawford Report Affecting Your Claim?
Do not stop at the conclusion. Understand the evidence behind it.
If Crawford is involved in a rejected, underpaid, delayed or technically disputed insurance claim, send us the relevant policy, reports, valuation and correspondence and we can consider whether the position may be suitable for independent review.