When a structural failure, accident or major defect occurs, insurers and loss adjusters need expert assistance to determine cause, liability and the quantum of loss. Civil engineering projects often involve complex design and geotechnical interactions; understanding these failures requires specialist forensic investigation and an ability to translate technical findings into insurance claims language.
Forensic engineering and claims advice
EML Engineers help insurers, loss adjusters and legal teams navigate construction claims:
- Immediate incident response
We mobilise engineers to site swiftly to secure evidence, assess the extent of damage and identify immediate safety issues. - Cause and liability analysis
Our experts review design documentation, construction records and test results to identify failure mechanisms, contributing factors and potential breaches of contract or statutory duties. - Quantum assessment
Drawing on knowledge of construction costs, we prepare repair scopes and cost estimates, helping underwriters and loss adjusters evaluate the quantum of the claim. - Litigation support
When claims proceed to dispute resolution or litigation, we prepare expert witness reports and testify in adjudication, arbitration or court. - Risk feedback loop
We supply lessons learned to underwriters and designers to improve future risk selection and policy terms.
Benefits for clients
Our claims consulting service assists insurers and developers by:
- Clarifying liabilities
Independent analysis reduces disputes over causation and responsibility. - Containing costs
Well‑supported repair scopes and quantum assessments prevent over‑scoping and facilitate settlement. - Enhancing underwriting
Feedback improves policy wording and risk pricing for future projects.