After-claims Insurance Experts
We are your trusted interlocutor after an incident. We carry out a post-loss second opinion and we develop a negotiation strategy in order to obtain compensation for your damage under the guarantees of your contract.
Our experts defend the interests of victims in dealings with their insurance company. Our role is to accompany you from the occurrence of the incident until the compensation of your damages. »
Using XPER is choosing transparency security trust
Unlike insurance expert firms, XPER puts you in touch with an expert assisted by a committee made up of competent and independent professionals.
One expert alone cannot have all the skills: lawyer in business law, heritage and insurance, accountant, building expert, taxation, etc…
We are different and our organisation enables better efficiency to negotiate and get the fairest compensation.
Your benefits
1.
Restore balance between you and the insurance company
2.
Get the fairest compensation and not feel wronged
3.
Be accompanied by an experienced interlocutor
4.
Save time in the management of your claim
5.
Obtain a second opinion following a first expert opinion
XPER's values and commitments
Our experts defend the interests of victims in dealings with their insurance company. Our role is to support you from the occurrence of the incident (in the context of a second opinion) until the compensation of your damages.
You can discuss your concerns with some of our bilingual French – English or Spanish advisors. Our experts accompany you in Metropolitan France and in the departments, communities and overseas territories.
Areas of Intervention
Here are all the claims on which we intervene with your insurer to allow you to obtain the most just compensation.
Natural disaster
Natural disaster insurance is a mandatory extension of coverage for all general insurance contracts.
Fire
The fire coverage itself is systematically included in the most complete formula of home insurance, the multi-risk home insurance contract.
Operating loss
A loss suffered by a company has material and financial consequences for its business. Business interruption insurance helps to offset the impact of reduced sales and profits, as well as meeting fixed costs.
Theft
Depending on the different insurance companies, the claims covered may vary.
Water damage
Water damage insurance is used to repair damage related to the action of water. If you are a tenant of a dwelling, you must take out this insurance.
Storm
Storm coverage is included in home insurance contracts.
Do you have an emergency? Let us know what your situation is so that we can carry out a second opinion and find a suitable solution find a solution together.
Areas of intervention
Call on our insurance experts in Metropolitan France and in the departments, communities and overseas territories.
Frequently asked questions
The role of an insurance expert (also called a counter-expert) is not to systematically oppose the proposals of the insurance expert, but rather to work in collaboration with the latter and the insurer to ensure that all the guarantees provided for in your contract are correctly applied.
As soon as possible so that all actions carried out by the insurer and the insurer’s expert are supervised. XPER will also establish a preparatory state and implement useful arguments for the best possible compensation in the shortest possible time. If you regret your choice, the law gives you 14 days to retract without invoking a reason. (Article L.121-16 of 17 March 2014)
You can also ask XPER to intervene when you consider that your insurer’s compensation proposal is too low or that certain elements have not been taken into account in its assessment.
As the victim of an incident, what should you do?
Discover the first steps to take in the event of a need.