01
You tell us about the claim
Complete the Claim Readiness Assessment. We will tell you honestly whether the claim appears viable.
Claims preparation for business policyholders
A well formulated claim is easier for insurers to settle or for the NFO to intervene in your favour in the event of a dispute.
Your insurer rejected your claim for any of the following:
“wear and tear” / gradual deterioration / lack of maintenance; act of God / No Insured Peril Operated.
Insurers bring a team — you bring a claim form.
Check if your claim is viable
Free initial assessment. No fee unless your claim value qualifies.
Claims advocacy
Every claim deserves a proper hearing.
Most people are told that a public adjuster is “anti-insurer.” That is not what we do. A rejected or underpaid claim usually fails for one reason: it was not formulated, quantified or substantiated in the way an insurer requires. Emotion is not evidence. A number you hope for is not a number you can prove.
Our job is to present your claim the way an insurer's own assessor would need to see it — properly measured, properly substantiated, properly costed. A well-formulated claim is easier for the insurer to settle, not harder. That is better for you, and often faster.
We are not here to fight your insurer. We are here to make your claim undeniable.
Who this is for
This is for you if:
- Your business or commercial property claim has been rejected, underpaid or stalled
- The claim value is above ZAR 250,000
- You dealt with your insurer directly, or your broker could not resolve it
- Your loss involves fire, business interruption, property damage, or liability against a municipality or utility
Proof
What proper claim preparation recovers
Case study — commercial fire loss to 50% of a small shopping complex in Tsolo, Eastern Cape. The insurer, Dial Direct, through their loss adjuster and QS, applied 65% under insurance to the claim based on an inflated reinstatement rate for the area. We showed the insurer that the sum insured was adequate through submission of our own expert report, and in discussion the claim was settled without the application of average or under-insurance.
Every claim is different, and no outcome is guaranteed. What is consistent is the method: measure it, substantiate it, cost it, present it.
A clear process
How it works
02
We assess the loss properly
Measurement, substantiation and quantum — presented the way an insurer needs to see it.
03
We present a claim the insurer can settle
Formulated, evidenced and costed so that the insurer can assess it clearly.
04
You pay from the result
Our fee is a contingency on a sliding scale, blended with a professional rate, agreed with you upfront in writing.
Founder
Why us
I am Mr Tjako Nkhahle, and I lead NKH Advisory. I bring thirty years in short-term insurance claims. I trained as a loss adjuster and have handled claims from the insurer's side — including the large and complex losses most adjusters never see.
I have assessed power surge and public liability claims against water and electricity utilities, and worked with municipal self-insurance funds. I have a legal background, which matters when a claim turns on the wording rather than the facts. Where a loss is technically complex, I work with ECSA-registered engineering expertise to establish cause, extent and defensible quantum.
I know how insurers decide. That is exactly why I am useful to you.
Find out if your claim is worth pursuing
It costs you nothing to find out. If your claim does not qualify, we will tell you — and tell you why.
After a loss
Report your incident causing damage to your insurers as soon as it happens.
Prompt notification protects your rights under the policy and helps ensure every damaged item is properly considered. If you are unsure how to report it, or have already been rejected, contact us today.