Frequently Asked Questions
Find answers to common questions about loss assessment, motor claims, property damage, and insurance in Kenya.
1What is a loss assessor and how do they differ from loss adjusters?
A loss assessor is an independent professional appointed by the policyholder to represent their interests in an insurance claim. They assess the damage, quantify the loss, and negotiate with the insurer on behalf of the claimant. Loss adjusters are appointed by the insurance company to investigate claims and protect the insurer's interests. Maroon Loss Assessors are independent loss assessors regulated by the Insurance Regulatory Authority (IRA) of Kenya.
2How long does a motor vehicle assessment take in Kenya?
At Maroon Loss Assessors, we typically complete motor vehicle assessments within 24–48 hours of inspection. This includes damage assessment, repair cost estimation, and report preparation. For complex cases involving third-party claims or engineering issues, the timeline may extend slightly. We prioritize fast turnaround to minimize delays in your claims process.
3What should I do immediately after a motor accident in Nairobi?
After a motor accident: (1) Ensure safety and call emergency services if needed, (2) Contact your insurance company immediately, (3) Report the accident to police and obtain a police report number, (4) Document the scene with photos and videos, (5) Collect witness contact information, (6) Request your insurer to appoint a loss assessor. Contact Maroon Loss Assessors at +254 722 572 265 for immediate assistance.
4How is vehicle damage assessed and repair costs estimated?
Our assessors inspect the vehicle for structural and mechanical damage, document findings with photographs, compare damage to repair manuals and industry standards, obtain quotes from approved repair shops, and prepare a detailed report with repair cost estimates. We use current market data and accepted industry methodologies to ensure fair and accurate assessments.
5What is a vehicle write-off and when is it declared?
A vehicle is declared a total loss (write-off) when the cost of repair exceeds a certain percentage of its pre-accident market value—typically 60–75% depending on the insurer's policy. Our assessors calculate repair costs, determine pre-accident value, and advise whether repair is economical. If uneconomical, the vehicle is written off and you receive the market value less any salvage.
6How are vehicle valuations determined for insurance purposes?
Vehicle valuations consider make, model, year, mileage, condition, service history, and current market demand. We reference dealer prices, auction results, and classified listings to determine fair market value. For insurance purposes, valuations reflect what a willing buyer would pay a willing seller in the open market. Valuations are critical for determining claim settlements.
7What is third-party motor assessment and how does liability work?
Third-party assessment occurs when a vehicle is damaged by another party's vehicle. An independent assessor evaluates both vehicles, reviews police reports, interviews witnesses, and determines liability. The at-fault party's insurer is responsible for damages. Maroon Loss Assessors provides independent liability assessments that protect all parties and support fair settlements.
8What is boda boda assessment and why is it different?
Boda boda (motorcycle) assessment is specialized because motorcycles are more vulnerable to total loss and present unique challenges. Assessment must consider rider safety equipment, cargo, and third-party property damage. Our specialists are trained to assess motorcycle damage quickly and accurately, supporting fast settlement for riders who depend on their bikes for livelihood.
9How is property fire damage assessed?
Fire damage assessment begins with establishing cause and origin—critical for claim validity and subrogation rights. We document all damaged areas, estimate reinstatement costs, assess contents losses, and quantify business interruption where applicable. A detailed report is prepared for the insurer covering all aspects of the loss.
10What is a risk survey and why should businesses conduct them?
A risk survey is a pre-loss assessment identifying potential hazards and recommending mitigation measures. Businesses benefit by reducing exposure, supporting accurate insurance placement, and demonstrating due diligence. Maroon Loss Assessors conducts property, fleet, and fire risk surveys for businesses across Kenya.
11Why are claims rejected and how can I avoid it?
Common rejection reasons include late notification, failure to preserve evidence, inconsistent narratives, lack of documentation, and policy exclusions. To avoid rejection: notify your insurer immediately, preserve evidence, provide consistent information, gather supporting documents, and understand your policy. Our assessors can guide you through the process.
12How do I request a loss assessment from Maroon Loss Assessors?
You can request an assessment by: (1) Calling +254 722 572 265, (2) Emailing info@maroonlossassessors.com, (3) Visiting our website and completing the online form at /request-assessment, or (4) Visiting our Nairobi head office. Our team responds within 2 hours during business hours.
13Are Maroon Loss Assessors regulated and accredited?
Yes. Maroon Loss Assessors is authorized and regulated by the Insurance Regulatory Authority (IRA) of Kenya. We are members of the Chartered Institute of Loss Adjusters (CILA) and the Motor Assessors Association of Kenya (MAAK). Our team comprises qualified, licensed professionals committed to industry best practices.
14What areas of Kenya does Maroon Loss Assessors serve?
We have offices in Nairobi (Head Office), Mombasa, Kisumu, Eldoret, and Nyeri, providing nationwide coverage across Kenya. Our assessors are available for inspections in all regions, ensuring fast response times and local expertise.
15Can Maroon Loss Assessors provide expert witness services?
Yes. We provide court-ready expert witness reports and professional testimony for legal proceedings, arbitration, and dispute resolution. Our reports are prepared to the highest standards of evidence and are accepted in courts and arbitration forums.
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