{"id":11801,"date":"2024-10-13T12:30:04","date_gmt":"2024-10-13T10:30:04","guid":{"rendered":"https:\/\/maschinenkanzlei.de\/expert-procedure-in-the-event-of-damage\/"},"modified":"2025-06-20T12:10:03","modified_gmt":"2025-06-20T10:10:03","slug":"expert-procedure-in-the-event-of-damage","status":"publish","type":"post","link":"https:\/\/maschinenkanzlei.de\/en\/expert-procedure-in-the-event-of-damage\/","title":{"rendered":"Expert procedure: Claims settlement &amp; procedure for machines"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11801\" class=\"elementor elementor-11801 elementor-11673\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-730849d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"730849d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-17fb105\" data-id=\"17fb105\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13f1e00 elementor-widget elementor-widget-heading\" data-id=\"13f1e00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is this article about?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df644a9 elementor-widget elementor-widget-text-editor\" data-id=\"df644a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A <a href=\"https:\/\/maschinenkanzlei.de\/en\/major-damage\/\">major loss<\/a> in mechanical engineering presents complex challenges for both the policyholder and the insurer. Machines are usually expensive capital goods and damage to them can have far-reaching financial consequences &#8211; from production downtime to high repair costs and long-term effects on the company. When such a major loss occurs and disagreements arise about the amount of the loss or compensation, so-called expert procedures are often used. This procedure is an important mechanism for finding fair and independent solutions.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de89b41 elementor-widget elementor-widget-video\" data-id=\"de89b41\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/2pzM09hTSSE?si=hEp5SCqGc6lFaGUP\\n &quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><script>\n(function() {\n    let d = null;\n\n    \/\/ if we are in a loop, we need to select the correct video element, since Widget ID occurs multiple times on page\n    const elemsInLoop = document.querySelectorAll(':is(div[data-elementor-type=\"loop-item\"],div[data-elementor-type=\"jet-listing-items\"],div[data-widget_type^=\"premium-addon-tabs.\"]) div.elementor-element-de89b41');\n    if (elemsInLoop.length === 1) {\n        d = elemsInLoop[0];\n    } else if (elemsInLoop.length > 1) {\n        if (typeof document.currentScript === 'undefined' || document.currentScript == null) {\n            return;\n        }\n        const tmpVideoWidget = document.currentScript.closest('[data-widget_type=\"brlbs_video.default\"]');\n        if (tmpVideoWidget) {\n            d = tmpVideoWidget;\n        }\n    }\n\n    if (d == null) {\n        d = document.querySelector('div.elementor-element-de89b41');\n    }\n\n    if (d == null) {\n        return;\n    }\n    d.dataset.widget_type = d.dataset.widget_type.replace('brlbs_', '');\n    d.dataset.brlbsUnblocked = 'true';\n\n    const interval = setInterval(() => {\n        if (typeof elementorFrontend !== 'undefined' && typeof elementorFrontend.hooks !== 'undefined') {\n            clearInterval(interval);\n            elementorFrontend.hooks.doAction('frontend\/element_ready\/video.default', jQuery(d), jQuery)\n        }\n    }, 30)\n})();\n<\/script><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee261b elementor-widget elementor-widget-text-editor\" data-id=\"5ee261b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This <a href=\"https:\/\/maschinenkanzlei.de\/en\/machine-newsletter-expert\/\" data-wpil-monitor-id=\"58\">article<\/a> explains what an expert procedure is, how it works and what role it plays in conflict resolution in claims settlement between insurers and policyholders in the case of major losses in mechanical engineering. Experts guide one party through the <a href=\"https:\/\/maschinenkanzlei.de\/en\/claims-processing-machines-industrial-plants\/\">claim management process<\/a> . <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6366829 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6366829\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b55f10\" data-id=\"6b55f10\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d59e32 elementor-widget elementor-widget-heading\" data-id=\"9d59e32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is an expert procedure?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1cd2c6 elementor-widget elementor-widget-text-editor\" data-id=\"c1cd2c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An expert procedure is a fixed dispute resolution mechanism that is often included in insurance contracts &#8211; especially in industrial insurance. It is used when, after a loss, there is a disagreement between the policyholder and the insurer about the amount of the loss or the <a href=\"\">cause of the loss<\/a> . <\/p><p>Such procedures are particularly important in mechanical engineering, where damage to expensive machines can quickly run into the millions. Policyholders and insurers can have different opinions on claims settlement, i.e. how high the actual damage is, what costs must be reimbursed or whether the repair measures are appropriate. An expert procedure helps to clarify these differences in a factual and objective manner during claims settlement and supports professional claims management.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e7dfae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4e7dfae\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a6bf8d5\" data-id=\"a6bf8d5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d55d3c7 elementor-widget elementor-widget-heading\" data-id=\"d55d3c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Amount of damage: Claims management, claims settlement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea793f3 elementor-widget elementor-widget-text-editor\" data-id=\"ea793f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In the end, every damage is about time and money. For the affected company, it is important that their contracts with customers are honored despite the loss event. At the same time, machines have to be newly procured or refurbished. The options depend very much on the extent of the damage.<br> For example, if the determined <a href=\"https:\/\/maschinenkanzlei.de\/en\/value-appraisal-insurance-value\/\">insurance value<\/a> is higher than the insured sum agreed with the insurer, deductions will result.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02c47fd elementor-widget elementor-widget-image\" data-id=\"02c47fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/20211214_Brandschaden_2_komp.jpg\" class=\"attachment-large size-large wp-image-5276\" alt=\"expert procedure damage amount\" srcset=\"https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/20211214_Brandschaden_2_komp.jpg 800w, https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/20211214_Brandschaden_2_komp-300x169.jpg 300w, https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/20211214_Brandschaden_2_komp-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Figure 1: Expert procedure in case of large damages (\"major damage\").<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecea3b1 elementor-widget elementor-widget-text-editor\" data-id=\"ecea3b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The requirements for a &#8220;good&#8221; settlement are correspondingly &#8220;high&#8221; on the side of the aggrieved policyholder. Since large losses, as shown in Figure 1, inevitably involve large sums of money, this makes  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-52c30a10 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"52c30a10\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1ac69940\" data-id=\"1ac69940\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-fc4aa21\" data-id=\"fc4aa21\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30180b23 elementor-widget elementor-widget-text-editor\" data-id=\"30180b23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>expert procedure \u201cSinn\u201d,<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1d869c3c\" data-id=\"1d869c3c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdcb56c elementor-widget elementor-widget-text-editor\" data-id=\"fdcb56c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>if it is not possible to<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3881495 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3881495\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5a31421\" data-id=\"5a31421\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5b69e47\" data-id=\"5b69e47\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2551b84 elementor-widget elementor-widget-text-editor\" data-id=\"2551b84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Insurer and policyholder agree on an expert.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c1721f7\" data-id=\"c1721f7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f41ad59 elementor-widget elementor-widget-text-editor\" data-id=\"f41ad59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It is also very important that when determining values (current value, market value, insurance value, etc.) in the case of several <a href=\"https:\/\/maschinenkanzlei.de\/en\/destruction-of-evidence-vibrations-resonance-machine\/\">expert reports<\/a> in mechanical engineering (machine damage)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-df999ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df999ea\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7001580\" data-id=\"7001580\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-36c51d3\" data-id=\"36c51d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7840347 elementor-widget elementor-widget-text-editor\" data-id=\"7840347\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>always different results emerge,<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-51cc523\" data-id=\"51cc523\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-26ac1c8 elementor-widget elementor-widget-text-editor\" data-id=\"26ac1c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Since the valuation is by no means so exact, we use simple arithmetic. \u201c1+1\u201d does not automatically have to equal 2 in a valuation. The result can also be 1.9-2.1. This in turn means that if the expected damage is large, usually in the high six-figure range or in the millions,   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5ca040b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ca040b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6f845c7\" data-id=\"6f845c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3da84a1\" data-id=\"3da84a1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5042420 elementor-widget elementor-widget-text-editor\" data-id=\"5042420\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>significant deviations<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3dd63aa\" data-id=\"3dd63aa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-09d0635 elementor-widget elementor-widget-text-editor\" data-id=\"09d0635\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is also why the <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c30e9bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c30e9bc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3395131\" data-id=\"3395131\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-25e701a\" data-id=\"25e701a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8929a33 elementor-widget elementor-widget-text-editor\" data-id=\"8929a33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Expert procedures are always recommended, especially in the case of major damage.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-18447f6\" data-id=\"18447f6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6853f4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6853f4c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ef2925\" data-id=\"4ef2925\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c2764b elementor-widget elementor-widget-heading\" data-id=\"7c2764b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Expert procedure with final claim settlement: When?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7f285a elementor-widget elementor-widget-text-editor\" data-id=\"e7f285a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An expert procedure becomes relevant when negotiations between the policyholder and the insurer stall and the claim settlement seems to be far off. Typical points of contention in mechanical engineering are often the following: <\/p><ul><li><strong>Amount of damage<\/strong> : Insurers and policyholders have different opinions about the value (e.g. <a href=\"https:\/\/maschinenkanzlei.de\/en\/insured-sum-insurance-value-machines\/\">insured value<\/a> , replacement value, etc.) of the damaged or destroyed machines. <\/li><li><strong>Restoration costs<\/strong> : The repair or replacement costs of the machines are controversial.<\/li><li><strong>Cause of damage<\/strong> : There is disagreement as to whether the cause of the damage is covered in the insurance claim, e.g. whether it is insured machinery damage or wear and tear.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34dca2f elementor-widget elementor-widget-image\" data-id=\"34dca2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/Fahrzeugkran_komp.jpg\" class=\"attachment-large size-large wp-image-5242\" alt=\"Liability damage machinery machine law firm\" srcset=\"https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/Fahrzeugkran_komp.jpg 800w, https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/Fahrzeugkran_komp-300x169.jpg 300w, https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/Fahrzeugkran_komp-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Picture 2: Major damage with an overturned crane \u2013 expert procedure.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffbe46b elementor-widget elementor-widget-text-editor\" data-id=\"ffbe46b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 17px; color: var( --e-global-color-text ); letter-spacing: var( --e-global-typography-1b69a38-letter-spacing ); word-spacing: var( --e-global-typography-1b69a38-word-spacing ); background-color: var( --e-global-color-6da8ab0 );\">If any of these or similar issues give rise to a dispute, the expert procedure may be requested by a party to clarify the situation with regard to the settlement of the claim.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6e301e elementor-widget elementor-widget-heading\" data-id=\"c6e301e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Legal Basis for Expert Procedures  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06d8559 elementor-widget elementor-widget-text-editor\" data-id=\"06d8559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The expert procedure is regulated by law in <a href=\"https:\/\/www.gesetze-im-internet.de\/vvg_2008\/__84.html\" target=\"_blank\" rel=\"noopener\">Section 84 VVG (Insurance Contract Act)<\/a> and Section 10 AFB (General Conditions for Fire Insurance). This is an extrajudicial procedure to determine the amount of damage. The prerequisite for this is that you and the insurer agree on the implementation of such a procedure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35a5d5e elementor-widget elementor-widget-image\" data-id=\"35a5d5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"380\" height=\"270\" src=\"https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/05\/20220520_Gericht.jpg\" class=\"attachment-large size-large wp-image-5187\" alt=\"expert procedure claims settlement claims management\" srcset=\"https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/05\/20220520_Gericht.jpg 380w, https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/05\/20220520_Gericht-300x213.jpg 300w\" sizes=\"(max-width: 380px) 100vw, 380px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Figure 3: Legal basis for the expert procedure.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8558ed elementor-widget elementor-widget-heading\" data-id=\"d8558ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Example: General Conditions for Fire Insurance (AFB 2010) - Version April 2014<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7e467c elementor-widget elementor-widget-text-editor\" data-id=\"d7e467c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.gdv.de\/gdv\/allgemeine-sachversicherungen-6072\" target=\"_blank\" rel=\"noopener\">Section 10 (expert procedure)<\/a> explicitly states:<\/p><ol><li><strong>Determination of the amount of damage.<\/strong> <i>After the insured event has occurred, the policyholder can request that the amount of the damage be determined in an expert procedure. The insurer and policyholder can also agree on such an expert procedure together. <\/i><\/li><li><b>Further findings.<\/b><i>  The expert procedure can be extended by agreement to include further findings relating to the insured event.<\/i><\/li><li><b>proceedings before determination.  <\/b><i>The following applies to the expert procedure:  <\/i><ol><li><i>Each party must appoint an expert in writing. \u2026<\/i><\/li><li><i>The insurer may not appoint as an expert a person who is a competitor of the policyholder or has a permanent business relationship with him; furthermore, no person who is employed by competitors or business partners or has a similar relationship with them. \u2026.. <\/i><\/li><\/ol><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f77b54 elementor-widget elementor-widget-heading\" data-id=\"4f77b54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Benefit for policyholder (injured party)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9133bbb elementor-widget elementor-widget-text-editor\" data-id=\"9133bbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In expert proceedings, the injured party can therefore be particularly certain that an expert of his or her confidence will examine the findings of the expert on behalf of the insurance company and deal with them in detail from a professional point of view. This influences the claims settlement and represents more professional claims management in the event of major losses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-567401a elementor-widget elementor-widget-heading\" data-id=\"567401a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">costs for experts<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aee357b elementor-widget elementor-widget-text-editor\" data-id=\"aee357b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Unless otherwise agreed, each party shall bear the costs of its own expert. The costs of the umpire shall be borne equally by both parties. <\/p><p>The costs of the party\u2019s own <a data-wpil=\"url\" href=\"https:\/\/maschinenkanzlei.de\/en\/expert-machines-sv-frank-flammer\/\">expert<\/a> are often covered by insurance. Then your insurer will also pay for the fee of the expert of your trust.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd9d897 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd9d897\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-92433ef\" data-id=\"92433ef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bc6ec0 elementor-widget elementor-widget-heading\" data-id=\"2bc6ec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">expert procedure<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f7d3a4 elementor-widget elementor-widget-text-editor\" data-id=\"9f7d3a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The procedure follows a clearly structured process designed to ensure a neutral and objective assessment of the damage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eddddcb elementor-widget elementor-widget-image\" data-id=\"eddddcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"451\" src=\"https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/20190801_Brandschaden7_komp.jpg\" class=\"attachment-large size-large wp-image-5275\" alt=\"expert procedure\" srcset=\"https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/20190801_Brandschaden7_komp.jpg 800w, https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/20190801_Brandschaden7_komp-300x169.jpg 300w, https:\/\/maschinenkanzlei.de\/wp-content\/uploads\/2022\/06\/20190801_Brandschaden7_komp-768x433.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Figure 4: Major losses are suitable for expert procedures.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89f5e5f elementor-widget elementor-widget-heading\" data-id=\"89f5e5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Appointment of experts in the expert procedure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b64281a elementor-widget elementor-widget-text-editor\" data-id=\"b64281a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At the beginning of the process, both the policyholder and the insurer each appoint their own expert. These experts must be independent and professionally qualified in order to be able to objectively assess the damage. Ideally, they are specialists in the field of mechanical engineering who have both technical know-how and insurance expertise.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c03aa9f elementor-widget elementor-widget-heading\" data-id=\"c03aa9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">examination and assessment of the damage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86e508b elementor-widget elementor-widget-text-editor\" data-id=\"86e508b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The two <a data-wpil=\"url\" href=\"https:\/\/maschinenkanzlei.de\/en\/expert-machines-sv-frank-flammer\/\">experts<\/a> then jointly record and analyze the damage. This may involve technical questions such as the condition of the machine before the damage occurred, the nature of the damage, and the options for repair or replacement. <\/p><p>The task of the experts is to assess the damage on the basis of objective facts and to reach an agreement on the extent of the damage or the cause.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac00c8e elementor-widget elementor-widget-heading\" data-id=\"ac00c8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Agreement of the experts in the expert procedure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b280da elementor-widget elementor-widget-text-editor\" data-id=\"4b280da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If the two experts agree, their assessment becomes binding for both parties. This ensures that the outcome of the procedure is fair and transparent, as it was developed by neutral experts. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7232c9a elementor-widget elementor-widget-heading\" data-id=\"7232c9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Two appraisals or one joint appraisal?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-daf0f3b elementor-widget elementor-widget-text-editor\" data-id=\"daf0f3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The two experts in the expert procedure either prepare two separate reports or they can agree on a so-called \u201cjoint report\u201d if they want to work closely together. In the case of the &#8220;joint opinion&#8221;, which is written very often, the umpire is not needed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d86a49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d86a49\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95c7438\" data-id=\"95c7438\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59feab4 elementor-widget elementor-widget-heading\" data-id=\"59feab4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advantages of the expert procedure<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-413cc11 elementor-widget elementor-widget-text-editor\" data-id=\"413cc11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The expert procedure is of crucial importance in the case of costly major damage to machinery and equipment for several reasons:<\/p><ol><li><strong>Objective damage assessment:<\/strong> Expensive major losses often involve complex damage scenarios in which it can be difficult to determine the exact extent and amount of the damage. Another independent adjuster on the policyholder&#8217;s side has the expertise and experience to objectively and accurately assess the amount of loss. This is critical to ensure that the policyholder is adequately compensated.<\/li><li><strong>Transparency:<\/strong> The expert procedure creates transparency in the claims settlement process. It ensures that all parties &#8211; the policyholder and the insurance company &#8211; have access to the same information and assessments. This minimizes the risk of disagreements and conflicts over the amount of damages.<\/li><li><strong>Basis for negotiation:<\/strong> The expert opinion prepared by the expert serves as an objective basis for negotiation. Both the policyholder and the insurance company can rely on the expert opinion to support their positions and negotiate claims settlement.<\/li><li><strong>Dispute resolution:<\/strong> In the event of disagreement over the amount of the loss, the expert procedure may serve as a means of dispute resolution. If both parties accept the expert&#8217;s findings, this can help resolve conflicts without having to take the legal route.<\/li><li><strong>Cost control:<\/strong> For high-cost claims, accurate loss assessment is critical to ensure that the insurance company pays the appropriate compensation. An expert opinion helps to avoid unnecessary costs or undercompensation.<\/li><li><strong>Accelerated settlement:<\/strong> The expert procedure can help speed up claims settlement by providing a clear basis for negotiations. This is especially important because time is of the essence in restoring business continuity when expensive damage occurs.<\/li><\/ol><p>Overall, the expert procedure enables fair and efficient claims settlement in the case of expensive fire damage and major damage to machinery and equipment. It helps ensure that the policyholder receives the appropriate compensation and helps prevent disputes and delays in the settlement process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-498d7de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"498d7de\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fc3546b\" data-id=\"fc3546b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ccf24ef elementor-widget elementor-widget-heading\" data-id=\"ccf24ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">risks and challenges<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c50e2b elementor-widget elementor-widget-text-editor\" data-id=\"6c50e2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Despite the advantages, there are also challenges that can be associated with an expert procedure:<\/p><ul><li><strong>Costs<\/strong> : The procedure is often associated with considerable costs, as the expert&#8217;s fees must be borne by the parties unless otherwise agreed in the contract. However, it is worthwhile in the case of major damage, because the expert&#8217;s fees tend to be &#8220;very low&#8221; compared to the amount of damage and there are always discrepancies between two or more reports on the amount of damage when determining the value of a mechanical engineering project. <\/li><li><strong>Duration<\/strong> : Although the expert procedure is usually much faster than a court procedure, in complicated cases it can still take some time until an agreement on the settlement of the claim is reached.<\/li><li><strong>Unpredictable results<\/strong> : Since the experts&#8217; decision is binding, there is a risk that one party may be dissatisfied with the result. There is usually no way to challenge this decision unless formal errors in the procedure are proven. <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0d4a9a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d4a9a3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c58a53f\" data-id=\"c58a53f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3013a7f elementor-widget elementor-widget-heading\" data-id=\"3013a7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58230d5 elementor-widget elementor-widget-text-editor\" data-id=\"58230d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <strong>expert procedure<\/strong> is a tried and tested and frequently used instrument for dispute resolution in the insurance industry, particularly in the case of major losses in mechanical engineering. It offers objective, fast and technically sound claims settlement when differences arise between the policyholder and the insurer. Despite the potential costs and challenges, the advantages outweigh the disadvantages, as the procedure often enables a straightforward and fair settlement without the need for lengthy legal proceedings.  <\/p><p>In the field of mechanical engineering, where damage is often technically complex and financially burdensome, the expert procedure is a valuable way to resolve conflicts efficiently and restore operations quickly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2122665c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2122665c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-24535255\" data-id=\"24535255\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53286a27 elementor-widget elementor-widget-text-editor\" data-id=\"53286a27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"color: #3366ff;\">Recommendation:<\/span><\/h2><p>The expert procedure always takes a little longer due to two experts. However, it gives the aggrieved policyholder the certainty that two specialists with different principals have dealt with the issue and, in the event of disagreement, the umpire makes a binding decision on the remaining points to be clarified.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>It is a possibility to determine the amount of damage out of court in the event of damage, particularly in the case of major damage.<\/p>\n","protected":false},"author":1,"featured_media":5277,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"full-screen","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"off","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"on","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","osh_disable_topbar_sticky":"default","osh_disable_header_sticky":"default","osh_sticky_header_style":"default","osh_sticky_header_effect":"","osh_custom_sticky_logo":0,"osh_custom_retina_sticky_logo":0,"osh_custom_sticky_logo_height":0,"osh_background_color":"","osh_links_color":"","osh_links_hover_color":"","osh_links_active_color":"","osh_links_bg_color":"","osh_links_hover_bg_color":"","osh_links_active_bg_color":"","osh_menu_social_links_color":"","osh_menu_social_hover_links_color":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[54,47],"tags":[],"class_list":["post-11801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-begriffe","category-praxiswissen","entry","has-media"],"_links":{"self":[{"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/posts\/11801","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/comments?post=11801"}],"version-history":[{"count":3,"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/posts\/11801\/revisions"}],"predecessor-version":[{"id":14162,"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/posts\/11801\/revisions\/14162"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/media\/5277"}],"wp:attachment":[{"href":"https:\/\/maschinenkanzlei.de\/en\/wp-json\/wp\/v2\/media?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