Independent claims advisory for South Africa's most complex insurance losses.
Senior, independent advice to insurers, brokers, SOEs and corporates — combining technical engineering, coverage analysis and adjusting expertise on every matter we accept.
Defensible advice from first notification through settlement.
NKH Advisory delivers forensic-grade claims advisory across property, engineering, public liability and catastrophe portfolios. We support reserving, coverage decisions, quantum negotiation, dispute resolution and litigation strategy — anchored by 60+ years of combined adjusting experience and ECSA-registered engineering capability.
What we deliver
Coverage analysis
Independent interpretation of policy wording, exclusions, sub-limits and indemnity periods against the loss scenario.
Quantum review
Forensic challenge or substantiation of claim quantum on first-party property, BI and engineering losses.
Reserving support
Early technical input to insurer reserving decisions on large and complex losses.
Dispute & litigation support
Expert reports, witness statements and testimony for arbitration, mediation and High Court proceedings.
SASRIA & special perils
Specialist advisory on SASRIA-coded losses, civil unrest, strike, riot and political-risk claims.
Panel & portfolio review
Independent audit of open claims portfolios, leakage analysis and adjuster performance review.
Our process
Instruction & scoping
Rapid intake call, conflict check and confirmation of scope, fees and deliverables.
Investigation
Site attendance, document review, engineering analysis and witness interviews.
Advisory report
Clear, defensible findings on coverage, causation, quantum and recommended strategy.
Settlement support
Negotiation support, expert testimony and post-settlement recovery oversight.
Trusted by insurers, SOEs, municipalities and major corporates across South Africa.
- Short-term insurers & reinsurers
- Insurance brokers & MGAs
- State-owned enterprises (SOEs)
- Municipalities & metros
- Mining, manufacturing & energy
- Retail, logistics & property funds
Frequently asked questions
What is claims advisory in insurance?+
Claims advisory is independent expert guidance to insurers, brokers and policyholders on the technical merits, coverage interpretation, quantum and strategy of complex insurance claims — ensuring defensible outcomes from first notification of loss through settlement or litigation.
When should an insurer appoint a claims advisor?+
Engage a claims advisor at first notification of loss for catastrophe (CAT) events, large or contentious property and engineering losses, public liability matters, and any claim where independent technical analysis or coverage interpretation will materially influence reserving and settlement.
How does NKH Advisory differ from a standard loss adjuster?+
NKH integrates senior claims consultants with ECSA-registered electrical, civil and mechanical engineers under one accountable team — delivering forensic-grade technical findings alongside coverage analysis, rather than referring engineering questions to third parties.
Do you advise on SASRIA, public liability and political-risk claims?+
Yes. Our advisory practice covers SASRIA-coded losses, public liability and occupier liability matters, infrastructure and SOE claims, and complex multi-peril events including civil unrest and natural catastrophe.
Where in South Africa do you operate?+
Johannesburg and Durban offices with countrywide deployment — including KZN, Gauteng, Western Cape, Eastern Cape, Free State, Mpumalanga, Limpopo, North West and Northern Cape.
Need claims advisory support?
Speak to a senior claims consultant — countrywide deployment from Johannesburg and Durban.