Hanover Professional and Executive Lines PCA
Pre-claim assistance services
Pre-claim assistance services, a valuable benefit included in your policy, feature Letter writing services designed to help home inspectors stop frivolous claims in their tracks.
Home inspectors frequently face accusations of not finding defects in a home during an inspection. Clients with complaints often do not understand that a home inspection is only a limited visual inspection of readily accessible components. In addition, homeowners may forget that they signed a pre-inspection agreement that limits the home inspector’s liability. When a client raises a complaint of a missed defect, reminding them of these points using a well crafted written response letter is usually enough to discourage a lawsuit. We’re here to help.
As a Hanover policyholder, you can take advantage of our Letter writing services. Our on-staff claim specialists are experienced in dealing with merit-less allegations and can assist in a variety of situations. Plus, your deductible does not apply unless the Hanover Claims Team deems the incident an actual claim.*
Letter writing assistance service
Simply email proclaim@hanover.com with the following details and “Letter writing help” in the subject line and a claims specialist will contact you within 48 hours:
• The signed and dated Pre-Inspection Agreement
• The Inspection Report in question
• Details of the complaint, such as what is being alleged and all written correspondence with this client
• The reason(s) you contend you’re not at fault or responsible for the basis of the complaint
• Your contact information, including an email address and phone number
* The use of this service will be accounted for on the insured’s loss runs but will indicate “Letter Writing Assistance Service Only” unless the incident becomes an actual claim.
Most complaints made against home inspectors are without merit, and we are pleased to offer this service to help you respond to complaints before they become actual claims.
Please note that if a claim has been made against you, frivolous or not, you must report it to us as soon as possible. Valuable risk management resources