Welcome to Insights from the Inside, where we spotlight the experts at EIMC who bring strategy, clarity, and deep technical knowledge to every challenge! In this edition, we turn to Jason Brueck, Principal Marine Surveyor, Senior Marine Consultant, for a focused discussion on Damage Surveys.
Q: What is a Cargo Damage Survey?
A: A cargo damage survey is the process where a surveyor inspects and assesses damaged cargo to determine the nature, cause, and extent of damage, and to document it for insurance claims or other purposes.
Q: What are the most common types of damage you see in different industries, and how do they affect insurance claims?
A: Cargo insurance claims are significantly affected by the type and extent of damage to the cargo. Different industries face unique risks, leading to various common types of damage, which include but are not limited to physical damage, water damage, rust damage, and contamination damage. The specific type of damage encountered in different industries dictates whether a cargo insurance policy will respond. Proper risk assessment and diligent documentation review are essential for effective cargo insurance claim management.
Q: What are the most effective methods for conducting damage surveys, and why are they important for the claims process?
A: Conducting thorough cargo damage surveys is important for a smooth and fair claims process. Good communication, effective cargo damage surveys, utilizing a combination of accurate visual inspection, photographic evidence, collaborative assessments, and other relevant methods, are necessary for a smooth and equitable cargo insurance claims process. They provide the factual foundation for determining coverage, quantifying losses, identifying causes, and ultimately achieving a fair settlement.
Q: What new trends or technology are shaping damage surveys in claims today?
A: The landscape of cargo damage surveys is evolving rapidly, driven by advancements in drone technology, 3D scanning, AI, monitoring devices, and digital platforms. These trends are leading to a more accurate, efficient, transparent, and data driven claims process, ultimately benefiting all parties involved in cargo transportation and insurance.