Claim Validation Disputed
You disagree with the conclusion reached about whether the circumstances fall within the insurance cover.
Loss Adjusting · TPA · Claims Validation
GHG Solutions Handling Your Insurance Claim? Challenge the Assessment, Validation or Settlement
If GHG Solutions is handling your insurance claim, the company may be involved from initial validation through loss adjusting, technical investigation, repair management, settlement and payment.
Insurance Dispute Service can independently review claims involving GHG Solutions where there is disagreement over coverage, causation, validation, subsidence, repair scope, valuation, liability, delay or the resulting settlement position.
30
Years operating in property & liability claims
GHG Solutions combines loss adjusting with a much wider claims-management operation.
GHG describes itself as an established claims and risk-solutions business operating across property and liability. Its services include commercial and domestic adjusting, third-party administration, major and complex loss, high-net-worth claims, casualty, subsidence, specialist claims and managed repair.
Your Problem
Why are you searching for GHG Solutions during an insurance claim?
Usually because GHG has become a significant part of the claims process and something about the assessment or outcome is now disputed.
Settlement Too Low
The proposed payment does not appear to reflect the full insured damage or loss.
Cause of Damage Disputed
The adjuster or technical evidence supports a cause of loss you believe is incorrect.
Subsidence Decision Disputed
Movement, causation, policy liability, monitoring or the repair solution has become contested.
Repair Scope Too Low
Damage or necessary reinstatement work appears to have been excluded from the proposed repair.
Liability Claim Against You
GHG is investigating injury or property damage in which your business is alleged to be responsible.
Who Is GHG Solutions?
GHG Solutions may be handling significant parts of your claim without being the insurer named on your policy.
GHG provides loss-adjusting, claims-management and risk services for insurers, underwriters, coverholders and other clients.
Its claims operation spans property, casualty, commercial and domestic losses, major and complex claims, high-net-worth insurance, subsidence, specialist risks and third-party administration.
It also uses supplier and building-repair networks as part of its claims-management service.
That breadth matters because the GHG name can represent different functions on different claims. We therefore establish precisely what GHG has been instructed to do and what authority it holds before deciding how the position should be challenged.
How Did GHG Solutions Become Involved?
In some claims, GHG can be involved from the moment the loss is first reported.
An outsourced claims journey might broadly look like this.
01
Loss Is Reported
The policyholder notifies a claim following property damage, subsidence, liability or another insured event.
02
GHG Receives FNOL
Initial details can be taken and policy validation begins.
03
Claim Is Investigated
Desk handlers, field adjusters, engineers or other specialists may assess the circumstances.
04
Scope & Value Develop
Liability, repairs, valuation, mitigation and other claim issues are considered.
05
Settlement or Dispute
The claim is settled or a disagreement develops over the resulting position.
GHG may be validating, investigating and settling claims within the same outsourced service.
This is the strongest differentiator on the GHG page.
GHG describes its TPA service as an outsourced, white-labelled claims operation providing policyholders with one central point of contact.
Its published claims-management service covers FNOL, triage, validation, expert consultancy, settlement and payment.
GHG also says its commercial adjusters are empowered and confident to make claims decisions.
That means it may be particularly important to establish whether the disputed position originated with the adjuster, engineer, claims handler or underlying insurer — and who has authority to reconsider it.
What Role Might GHG Be Performing?
Different GHG functions can create very different insurance disputes.
Handling the claim from notification through validation, settlement and payment.
Assessing damage, policy issues, scope and value on domestic and commercial claims.
Engineer-led investigation into movement, causation, liability and repair.
Managing building repair and reinstatement through GHG’s contractor network.
Investigating injury and third-party property damage allegations.
Handling substantial and specialist claims requiring experienced adjusters and tailored claims management.
What Can Be Challenged?
Turn the GHG claim position back into individual questions that can actually be tested.
01
Claim Validation
Does the policy and evidence support the conclusion reached about whether the claim is covered?
02
Cause of Damage
What evidence actually establishes how the loss occurred?
03
Policy Interpretation
Does the wording genuinely produce the insurance position being communicated?
04
Scope of Damage
Has all insured damage and necessary reinstatement been included?
05
Settlement Value
Do quotations, rates, quantities and deductions support the amount proposed?
06
Repair Method
Will the proposed works properly reinstate the insured damage?
07
Liability
Does the evidence genuinely establish responsibility for a third-party loss?
08
Decision Authority
Who reached the conclusion and who can actually reconsider it?
GHG Subsidence Claim?
In a subsidence claim, the early technical conclusion can determine almost everything that follows.
GHG operates an engineer-led subsidence service from initial site investigation through to building repairs.
Its published approach emphasises obtaining detailed information at the first visit so that the cause of damage and policy-liability direction can be established early.
If that conclusion is disputed, relevant questions can include whether movement is genuinely subsidence, the influence of trees or soil conditions, monitoring evidence, whether movement is progressive and whether the proposed remedial works are sufficient.
A Day-1 conclusion can be important — but it is still a conclusion that must be supported by the evidence.
GHG / ProACT Repair Dispute?
The dispute may be about how the insurer proposes to reinstate the property rather than whether it will pay anything.
GHG operates ProACT, its building-repair network service, using a nationwide roster of contractors.
Where GHG or the insurer proposes managed reinstatement, the policyholder may still need to examine the scope of works, omitted damage, repair specification, contractor pricing, drying or mitigation requirements, structural works and associated professional costs.
The fact that a managed contractor solution has been offered does not make the underlying scope incapable of challenge.
20+
Years stated in high-net-worth claims handling
High-Value Home Claim?
High-net-worth claims can create valuation issues that ordinary property claims do not.
GHG states that it has more than 20 years’ experience in the high-net-worth claims market and can provide an end-to-end claims service.
These claims can involve high-value buildings, bespoke finishes, specialist contents, antiques, art, jewellery, alternative accommodation and more complex reinstatement requirements.
Where the proposed settlement or repair solution fails to reflect the actual insured property or contents, valuation methodology and evidence can become central to the dispute.
GHG Contacted Your Business?
GHG may also be investigating an injury or property-damage claim being made against you.
GHG’s casualty operation deals with public-liability claims, including personal injury and third-party property damage.
Its published process includes obtaining relevant factual, witness and documentary evidence.
If your business is on the receiving end of that investigation, establish who is making the allegation, what duty is said to have been breached, what caused the alleged loss, whether liability is actually established and how the amount claimed has been calculated.
Explore Professional & Business Claims Defence →
The Problem
GHG has validated, assessed or managed the claim — but the outcome no longer reflects what you believe the insurance should provide.
The file may contain a mixture of claims-handler notes, loss-adjuster conclusions, engineering evidence, repair scopes, valuations and insurer instructions.
Because GHG can operate across several stages of the claim, the final position may appear to be one decision even though several separate conclusions sit behind it.
The real task is identifying which conclusion created the problem, what evidence supports it and who has authority to change it.
The IDS Solution
We reconstruct the claim from validation through to the disputed outcome.
Insurance Dispute Service can review the policy, GHG correspondence, adjusting reports, engineering evidence, repair scopes, quotations, valuations and insurer documentation.
We identify what GHG has decided or recommended, which evidence produced the position, what authority GHG holds and where there may be a realistic basis to challenge the outcome.
Depending on the dispute, the next route may involve further evidence, technical analysis, valuation review, insurer challenge, negotiation, claims defence, barrister advice or litigation support.
What to Send Us
We want to see how the claim moved from validation to the position you are now being asked to accept.
Insurance policy and schedule
GHG Solutions correspondence
Insurer correspondence
Loss adjuster reports
Engineer / subsidence reports
Photographs and inspection evidence
Repair scope / specification
Quotations and valuations
Decision / settlement letter
Related IDS Support
Follow the route that matches your GHG Solutions problem.
Insurance Settlement Too Low
Where valuation, repair scope or claim assessment leaves a material shortfall.
Underpaid claims → Business Insurance ClaimsCommercial property, major loss and other business-insurance disputes.
Business claims → Claims Against Your BusinessWhere GHG is investigating liability involving your company.
Claims Defence → Insurers & Claims HandlersIdentify another insurer, TPA or claims organisation involved in the decision chain.
View company directory →Frequently Asked Questions
GHG Solutions insurance claim questions
Is GHG Solutions my insurance company?
Not necessarily. GHG Solutions provides loss adjusting and third-party claims-management services for insurers, underwriters and coverholders. Your insurer should normally be identifiable from the policy schedule and wording.
Why is GHG Solutions handling my insurance claim?
An insurer, underwriter or coverholder may appoint GHG to provide claims administration, loss adjusting, technical investigation, repair management or another claims service. Its role depends on the particular appointment.
Can GHG Solutions decide whether my claim is paid?
The answer depends on the authority given to GHG on the particular claim. GHG offers full claims-management services and states that its commercial adjusters are empowered to make claims decisions, so the individual decision structure should be established rather than assumed.
Can I challenge a GHG Solutions loss-adjuster report?
A report can be examined against the policy wording, factual evidence, photographs, surveys, engineering evidence, repair requirements, quotations and valuations. Whether there is a viable challenge depends on the circumstances of the individual claim.
What if I disagree with GHG about subsidence?
A subsidence dispute may require examination of the cause of movement, soil and vegetation evidence, monitoring results, policy liability and the proposed repair solution. GHG operates an engineer-led subsidence service, so the underlying technical evidence can be particularly important.
What is ProACT?
ProACT is GHG Solutions’ managed building-repair network. Where it is involved in an insurance claim, the repair scope, methodology and cost can still be examined against the insured damage and policy position if a dispute develops.
Does GHG Solutions handle high-net-worth insurance claims?
Yes. GHG states that it has more than 20 years’ experience in the high-net-worth claims market and can provide an end-to-end claims service including FNOL, desk handling, field adjusting and fund-management functions.
What if GHG is investigating a liability claim against my business?
Establish who is making the allegation, what liability is claimed, what factual and witness evidence supports it, how causation is said to arise and how the amount claimed has been calculated. Investigation alone does not establish liability.
Is Insurance Dispute Service affiliated with GHG Solutions?
No. Insurance Dispute Service is independent of GHG Solutions. 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 GHG Solutions Limited, ProACT or any related company. GHG Solutions and associated trade names belong to their respective owners. References are included for identification and informational purposes only. GHG performs different roles under different appointments and nothing on this page implies that GHG Solutions has acted improperly in any individual matter. This page provides general information only, is not legal advice and no particular outcome can be guaranteed.
GHG Solutions Handling Your Claim?
Understand how the claim was validated, assessed and valued before accepting the outcome.
If a claim involving GHG Solutions has been rejected, underpaid, delayed or become disputed over subsidence, repairs, liability or technical evidence, send us the policy, reports, valuations and correspondence and we can consider whether the position may be suitable for independent review.