Working in conjunction with Insurance Companies
Insurance companies collaboration
ARN Projects works with insurers as home adaptation installers to scope and deliver home adaptations that are clinically appropriate, cost controlled, and fully auditable.
We install to the drawings and specifications issued by your appointed professionals, validate buildability, and keep a clear paper trail from instruction to sign off.
Our intake covers policy constraints, indemnity position, and any betterment limits so the chosen route fits both the clinical brief and the claim strategy.
Expect side by side options that reflect liability and reserve planning, each with clear inclusions, exclusions, and service life notes. Variation control is strict. Any change is raised early, costed, risk rated, and approved in writing before work proceeds.
Programmes are realistic and visible, with milestones tied to survey, first fix checks, and commissioning. Communication is concise and scheduled so adjusters and panel solicitors get what they need without chasing.
At completion you receive a disclosure ready handover pack. Certificates list serial numbers and installers. Photographs record key details and are time stamped. Warranties and O and M manuals are included with simple maintenance guidance the policyholder can follow.
The result is fast restoration of function for the client and documentation that stands up to scrutiny from claims, compliance, and legal teams.
What working with us looks like
We start with the brief and the approved design information. A measured survey confirms structure, drainage, ventilation, electrics, and access.
Buildability notes are fed back early so decisions are made once. Estimates are itemised for like for like comparison.
If a staged route protects indemnity or budget, we present a fast temporary option alongside a permanent option so the adjuster can choose with full knowledge of risk and cost.
Options that match liability and policy terms
Claims do not all carry the same liability profile. We structure options to match. Where causation is clear and permanence is appropriate, we price the full solution.
Where consent or tenure is uncertain, we provide reversible or modular choices that give immediate function and protect future flexibility.
Each option is presented with implications for durability, maintenance, disruption, and spend, so the decision aligns with policy wording and reserve strategy.
Variation control and budget discipline
Financial control is built in. Scopes map to drawings and schedules with clear inclusions and exclusions. Any change requires written approval with a short rationale and cost delta.
Known uncertainties such as concealed services or weak substrates are covered by costed allowances, not vague contingencies. Payment milestones track verified progress and inspection points.
Client experience without drift
Occupied homes demand care. We phase works to maintain safe access, keep noise manageable, and protect finishes. Therapy sessions, school runs, and care visits anchor the daily sequence.
Communication is concise with a single point of contact. The aim is simple: return function quickly, avoid rework, and keep everyone informed.
Cross references that help planning:
- Outdoor accessible spaces and level access when external routes to vehicles or gardens are needed
- Temporary rental property adaptations if the insured is between homes
Compliance and audit readiness
Compliance is treated as a deliverable. Ramps and thresholds meet evidence based gradients and guarding. Slip resistance is appropriate for wet and dry conditions and recorded at handover.
Hoists and lifts are installed to manufacturer guidance with service access preserved. Where hydrotherapy facilities forms part of the scope, dosing, filtration, and environmental control are installed to the engineer’s design and demonstrated at commissioning.
Electrical and plumbing certificates are filed with the handover pack.
Typical scopes we install to approved designs
- Level access entries, ramps, landings, handrails, and kerbs.
- Accessible bathrooms and shower pods with appropriate drainage and ventilation.
- Ceiling track hoists and equipment installed to manufacturer guidance.
- Structural alterations and room reconfiguration for safe transfers.
- Hydrotherapy plant and environmental control installed to the engineer’s design.
- Path networks, terraces, thresholds, lighting, tactile cues, and wayfinding.
Documentation you can file without edits
Handover includes certificates, warranties, commissioning data, photo records of key details, O and M manuals, and maintenance schedules.
We also provide a short summary mapping the installed elements to the agreed scope so auditors and panel solicitors can verify outcomes quickly.
Staged delivery that reduces leakage
Not every file needs full permanence on day one. We often begin with immediate function to support discharge or daily care, then move to permanent works when tenure, funding, or liability is settled.
This reduces hotel and care costs, protects the client’s routine, and prevents spend that may later need to be reversed.
Pair these pages as needed:
- Modular adaptations for rapid function.
- Complex and large scale adaptations for confirmed long term solutions
Working with the wider team
Successful claims resolution depends on joined up communication. We coordinate with loss adjusters, case managers, occupational therapists, specialist architects, legal deputies, and landlords.
RFIs are raised early. Decisions and approvals are logged. Site activity is planned around therapy blocks and care rotas to keep disruption low.
Why insurers choose ARN Projects
You get an installation that aligns with the professional design, options that reflect liability and policy terms, and a clean audit trail. Costs are transparent, variations are controlled in writing, and the client’s home returns to safe function quickly.
If you want fewer surprises, stronger files, and outcomes that stand up to scrutiny, bring us in to deliver.
get in touch
- Request a side by side options pack linked to liability scenarios and reserves
- Book a joint survey to confirm footprint, services, and access with the design team
- Ask for a staged delivery plan that balances immediate function with long term value