Independent claims advocacy for South Africa's most complex insurance losses.
We act as independent advocates for properly formulated claims — bringing technical engineering, coverage analysis and adjusting expertise together so insurers receive claims they can settle with confidence.
Claims that are measured, substantiated and costed — from first notification through settlement.
NKH Advisory delivers independent claims advocacy across property, engineering, public liability and catastrophe portfolios. A claim fails most often not because it lacks merit, but because it was not formulated, quantified or substantiated the way an insurer requires. We close that gap: anchoring every matter in 60+ years of combined adjusting experience and ECSA-registered engineering capability, and presenting it in a form that is straightforward for an insurer to settle.
What we deliver
Coverage analysis
Independent interpretation of policy wording, exclusions, sub-limits and indemnity periods against the loss scenario — establishing clearly and fairly what the policy does cover.
Quantum substantiation
Forensic measurement, costing and substantiation of claim quantum on first-party property, BI and engineering losses, so the numbers can withstand scrutiny.
Early technical involvement
Independent technical input from first notification, giving insurers and policyholders a shared, evidence-based picture of the loss while options are still open.
Resolution & litigation support
Where a genuine dispute arises, independent expert reports, witness statements and testimony for arbitration, mediation and High Court proceedings — aimed at fair resolution, not escalation.
SASRIA & special perils
Specialist advisory on SASRIA-coded losses, civil unrest, strike, riot and political-risk claims.
Portfolio & readiness review
Independent review of claims portfolios and claim preparation practices — helping insurers and insureds alike achieve consistent, well-substantiated outcomes.
Our process
Instruction & scoping
A straightforward intake call, conflict check and written confirmation of scope, fees and deliverables — agreed upfront, with no surprises.
Investigation
Site attendance, document review, engineering analysis and witness interviews — the evidence gathered properly, once.
Advisory report
Clear, defensible findings on coverage, causation and quantum, presented the way an insurer's own assessor would need to see them.
Settlement support
Constructive engagement through to settlement — negotiation support, expert testimony where required, 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 on the technical merits, coverage interpretation, quantum and presentation of an insurance claim. Done properly, it helps every party — insurer, broker and policyholder — reach a defensible outcome from first notification of loss through settlement, without unnecessary conflict.
When should a claims advisor be appointed?+
The earlier the better. Bringing in a claims advisor at first notification of loss — for catastrophe (CAT) events, large or complex property and engineering losses, public liability matters, or any claim that turns on coverage interpretation or technical causation — means the claim is measured, substantiated and costed correctly from the start. That makes it easier for the insurer to settle, and faster for you.
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. A claim supported by that depth of evidence is difficult to dispute and straightforward to settle.
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.