Building & Engineering
Buildings combined, fire damage to buildings, property loss of any nature, and structural or civil engineering claims of any size.
Independent insurance loss adjusters · Est. 2013
Claims assessed properly.
Resolved in record time.
Sterling Assessing is a firm of independent loss adjusters and claims assessors. We investigate, quantify and report on insurance losses, and handle valuations, surveys and inventories for insurers, brokers and their clients. We work from Pretoria and travel to sites anywhere in South Africa, with over 30 years of combined experience in the team.
- Nationwide field assessments
- In-house claims management system
- Valuations, surveys & inventories
✓On site 13:40Damage photographed & measured
★Report sentSettlement recommended
30+
Years of combined loss adjusting experience
2013
Registered and assessing claims since
9
Provinces covered from our Pretoria base
Hourly
Claim tracking on our own system
What we assess
Claims assessing and risk services, one standard of work
From a burst geyser to a multi-site catastrophe event, each claim gets the same thorough site inspection, clear quantification and a report the insurer can act on.
Personal Lines
Household contents, homeowners' buildings and specified all-risks items such as jewellery, cameras and portable electronics.
Commercial
Accidental damage, business all risks, electronic equipment, goods in transit, money, theft and office contents.
Catastrophe
Non-motor catastrophe events: hail, flood, earthquake, storm and spreading fires. We scale up quickly when an event affects many policyholders at once.
Technical
Contractors all risks, machinery breakdown, plant all risks and electronic equipment, assessed with a focus on cause of failure.
SASRIA
Assessment of damage caused by riots, strikes, civil commotion and public disorder, across all categories of property.
Before a loss happens
Valuations, surveys & inventories
Most claim disputes start with under-insurance or poor records. We help insurers, brokers and policyholders get the sums insured right and have the proof on file before anything goes wrong.
Building Valuations
Replacement-value valuations for homes and commercial properties, so the building sum insured reflects what it would actually cost to rebuild.
Insurance Surveys
On-site risk surveys for underwriting: construction, occupancy, security, fire protection and exposures, reported clearly with practical recommendations.
Contents Inventories
Detailed, photographed inventories of household contents and business or office contents, giving you accurate sums insured and proof of ownership.
How we work
From instruction to settlement, without the waiting
Every claim follows the same disciplined path, and every step is logged in our claims management system so insurers and brokers always know where a file stands.
- 01
Instruction
The insurer or broker sends the claim. We log it and allocate the right assessor straight away.
- 02
First contact
We call the insured promptly, explain the process and book a site visit at a time that suits them.
- 03
Site inspection
An assessor inspects the damage in person: cause, extent, photographs, measurements and statements.
- 04
Quantification
Quotes and invoices are checked against market rates and policy cover, and the loss is properly validated.
- 05
Report & recommendation
A clear, evidence-based report with a settlement recommendation goes to the insurer, ready for a decision.
Why Sterling
Out in the field, and on top of every file
Most of our work happens on site, not behind a desk. We see the damage ourselves and talk to the people involved. That is the only way to get a loss right the first time.
Back at the office, our own claims management system tracks every open file hour by hour. Nothing stalls and nothing gets lost.
Work with usClaim file
STR-26-0418
- 08:04
Instruction receivedClaim logged and assessor allocated
- 09:15
Insured contactedSite visit confirmed for today
- 13:40
On siteDamage inspected, photographed, measured
- 16:00
QuantifyingQuotes validated against market rates
- —
Report to insurerFindings & settlement recommendation
Illustrative example. Every file is updated hourly in our system.
Field-first
Physical inspections by experienced assessors, anywhere in South Africa.
Own claims system
Built in-house and updated hourly, so every file has a clear status.
Record turnaround
Quick contact, prompt site visits and fast reports mean quicker settlements.
Independent & fair
Impartial findings that both the insurer and the insured can trust.
30+ years' experience
Combined loss adjusting experience across every major class of claim.
Clear communication
Insureds are kept informed and insurers receive concise, decision-ready reports.
Who we work for
Trusted by the people who carry the risk
Insurers
Short-term insurers who need fast, independent assessment of personal and commercial losses.
Brokers
Brokers who want their clients' claims handled professionally and kept moving.
Underwriting managers
UMAs and niche underwriters who need specialist and technical claims expertise.
Commercial clients
Businesses, property owners and contractors facing a complex or high-value loss.
Coverage
Based in Pretoria.
Working all over South Africa.
Our head office is in Pretoria, Gauteng, and our assessors travel nationwide. Wherever the loss happened, we go and see it.
- Gauteng
- Limpopo
- Mpumalanga
- North West
- Free State
- KwaZulu-Natal
- Eastern Cape
- Northern Cape
- Western Cape
FAQ
Frequently asked questions
What does an insurance loss adjuster or assessor do?
A loss adjuster (also called a claims assessor) is appointed to investigate an insurance claim independently: they inspect the damage, establish the cause, check it against the policy, quantify the loss and recommend a fair settlement to the insurer.
Which areas do you cover?
Our head office is in Pretoria, Gauteng, and our assessors travel to sites in all nine provinces of South Africa.
Who do you work for?
Most of our claims instructions come from short-term insurers, brokers and underwriting managers. Homeowners and businesses can contact us directly for building valuations, insurance surveys and contents inventories.
How do I instruct Sterling Assessing on a claim?
Email the instruction to [email protected], call our office on 012 880 4733, send a WhatsApp to 064 005 2551, or use the contact form on this page.
How do you keep claims moving quickly?
We contact the insured promptly, inspect on site and track every file hourly in our own in-house claims management system, so nothing stalls between instruction and settlement.
What should I have ready for the assessor's visit?
Photographs of the damage, proof of ownership for damaged or stolen items, repair quotes or invoices, receipts for emergency repairs, and a police case number for theft or malicious damage.
Contact
Instruct us on a claim, or just ask
Call the office, email new instructions, send us a WhatsApp, or speak directly to our senior assessor.