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Large claims can be complex for many reasons. Adding to the challenges of almost any claim, higher profile insured’s with valued premiums can bring increased scrutiny to a file.  Agents and brokers tend to be more vocal in advocating for their customer.  Claims executives can take a more active role due to the higher claim potential.  Some vendors aggressively recommend replacements to increase sales, often condemning warranties.  The insured may retain counsel or a public adjuster and when this occurs, insurance companies assign these claims to their most seasoned and experienced adjusters, ones who can effectively navigate through these complexities, drawing on their expertise and interpersonal skills.

Claims with technology equipment and data can further add to the complexities of a claim.  Some vendors and insured’s may recommend technology replacement and reconstructing data loss, but are they necessary?  Can the equipment be decontaminated reliably, quickly and cost-effectively, striking the right balance between equipment costs, data loss, and minimizing business interruption and extra expense? Is there a way to overcome obstacles presented by vendors? How can the insured be made to feel comfortable with the process?

HSNO has a practice that focuses on technology insurance claims involving business technology and their data. HSNO technology loss services are focused solely on helping general adjusters do their jobs better by solving complex issues economically and timely.  Our group is managed by experts with the experience and interpersonal skills to effectively navigate through the complexities of larger files.  HSNO technology loss experts have considerable experience handling large and complex files, with great results. They possess the necessary combination of technical aptitude and interpersonal skills to bring about the best possible outcome.

Typical Technology Claims Services:

Insurance adjusters, their experts and attorneys need timely, accurate information concerning equipment damage, data loss, repair ability, costs, and time-frames to repair the equipment damaged by fire, flood, or other disaster. HSNO has the expertise and the experience to investigate technology claims and reliably assist in settling the loss amicably.

To ensure fair and equitable settlements, our experts provide our clients with an analysis of cost effective settlement alternatives such as data restoration, equipment repair or replacement.  Providing our clients with such information helps mitigate loss. HSNO is able to help you make informed and efficient decisions concerning data loss and equipment, and those decisions in turn expedite the claim, bringing closure to the loss. Insurance adjusters prefer HSNO for reliable experts, speedy response, and affordable solutions that translate into predictable claims management.

We provide timely, accurate, and professional analysis of data loss and damaged technology equipment. Our technical consultants, located throughout North America, or global within 24 hours, identify for our clients the costs for reconstructing data loss, repairing, replacing, or rebuilding damaged equipment that includes:

• Data located on any media
• Servers
• Enterprise systems
• Networking
• Desktop and laptop computers
• Disaster and backup systems
• Telecommunications systems

Our workflow includes some of the following:

• Site inspection
• Data recovery
• Data reconstruction
• Data analysis
• Document review
• Technical interviews
• Investigations involving systems and data under legal matters
• Testing
• Repair ability determination
• Salvage value analysis
• Feasibility of restoration
• Lightning verification
• Expert testimony