In the world of insurance, most people focus on the claim itself—how to assess it, document it, and settle it. But what happens after a claim is paid? That’s where the less-talked-about but equally crucial discipline of claims recovery comes in.
At Seawave Adjusters & Surveyors (K) Ltd, we specialize not only in investigating losses, but also in recovering funds from liable third parties. Whether it’s a shipping line, road haulier, warehouse operator, or negligent subcontractor, we help insurers and their clients pursue rightful recoveries—preserving capital, deterring carelessness, and strengthening the insurance ecosystem.
What is Claims Recovery?
Claims recovery—also known as subrogation—is the process of recovering the money an insurer has paid out on a claim, by holding a responsible third party accountable for the loss.
For example:
- A cargo shipment is damaged due to poor stowage by a carrier
- A fire at a warehouse results from faulty electrical installation by a third-party contractor
- A vehicle accident is caused by a reckless third-party driver
- A machinery breakdown is traced to defective components from a supplier
In such cases, after the insurer settles the insured’s claim, the insurer (or their appointed adjuster) has the right to recover some or all of the loss from the responsible party.
Why Claims Recovery Matters
Most insurers pay out large sums annually—often without pursuing reimbursement from liable parties. This leads to:
- Higher claim costs
- Increased premiums for all insureds
- Reduced accountability for negligent service providers
Claims recovery reverses this trend, saving money and promoting risk responsibility.
Our Claims Recovery Approach
At Seawave Adjusters & Surveyors, we offer a structured, evidence-based approach to recoveries:
- Early Identification: During the loss adjusting process, we flag recoverable elements and identify potential third-party liabilities.
- Evidence Gathering: We collect technical reports, shipping documents, photographs, and expert opinions needed to support recovery efforts.
- Liability Analysis: We assess relevant laws, contracts (e.g., bill of lading clauses, service agreements), and liability limits to build a strong case.
- Negotiation or Legal Escalation: We pursue out-of-court settlements where possible but escalate to legal counsel when necessary.
We work closely with underwriters, brokers, claims handlers, and legal teams to maximize results—while maintaining professionalism and fairness.
Types of Recoveries We Handle
- Marine cargo recovery from carriers, logistics companies, and port authorities
- Motor claims recovery from at-fault third parties or insurers
- Property loss recovery from negligent contractors or equipment suppliers
- Liability-based recovery in complex third-party injury or business interruption cases
- Warehouse and terminal recovery following operational failures or storage negligence
A Regional Partner with Global Reach
Based in Kenya and operating across East Africa, Seawave Adjusters & Surveyors (K) Ltd has the local insight and legal fluency to recover claims in challenging jurisdictions. We combine investigative rigor with strategic diplomacy—ensuring our clients are represented with strength and integrity.
Let Your Losses Work For You
Every paid claim carries the potential for recovery. The key is acting quickly, building the right case, and having the right partner by your side.
At Seawave, we don’t stop at settlement. We go the extra mile to reclaim what’s rightfully yours.
Trust us to uncover value in every loss.