Is your insurance company questioning the origin of a claim?
At Óptima Pericial, we conduct professional causal analyses in Ibiza and the Balearic Islands to accurately determine what happened, why it happened, and who is responsible for the incident.
Our experts specializing in causal analysis in Ibiza technically investigate each case to determine precisely:
The exact origin and root cause of the accident.
The sequence of physical events that have caused the material damage.
The objective technical facts that define the claim, providing the real basis for it to be correctly assessed against the policy.
The material origin of the damage (the exact focus of the problem), facilitating the necessary technical evidence so that a claim can be made against third parties.
The possible errors in valuation or technical interpretation that the insurance company's expert may be making.
In this way, the report does not "decide" coverage or liability, but becomes the indispensable technical tool for the insured, their lawyer or the judge to have the necessary evidence to win the claim.
Our experts conduct thorough technical investigations to identify the origin of the incidents and determine liability.
Having an independent expert specializing in causal analysis in Ibiza allows for the proper defense of the insured's interests.
Our experts have extensive experience in technical investigation of accidents and determination of causes.
We work exclusively to defend the interests of the client, not the insurance companies.
Our reports are prepared using technical criteria and professional expert methodology.
A well-founded causal analysis allows for claiming fair compensation and avoiding erroneous interpretations of the incident.
During the construction of a house on the adjacent plot, significant cracks began to appear in an existing house.
The owner commissioned ÓPTIMA PERICIAL to conduct an analysis to determine if the damage could be related to the excavation carried out on the neighboring plot.
The technical report analyzed the type of cracks, the terrain and the work carried out, making it possible to prove the relationship between the excavations and the damage to the house.
A countertop installed less than a year ago was found to be cracked in the center of the kitchen. The installation company claimed the break was due to normal use by the homeowner.
OPTIMA PERICIAL analyzed the breakage, the type of material and the condition of the installation.
The report determined that the fracture did not show signs compatible with impacts or actions of use by the client, allowing it to be proven that the origin of the damage was related to the installation of the element.
The exterior paving of a pool terrace in a house began to lift and come loose a few months after the work was completed.
ÓPTIMA PERICIAL analyzed the construction system implemented and the condition of the support on which the pavement had been installed.
The report determined that the origin of the problem was an incorrect preparation of the substrate before the installation of the pavement.
A wooden deck installed on an outdoor terrace began to show signs of the protective coating peeling off shortly after its installation.
OPTIMA PERICIAL analyzed the applied material and the conditions of exposure of the wood to the elements.
The report determined that the product used did not meet the technical specifications required for that type of installation, identifying the construction error that had caused the premature deterioration.
The pavement of an industrial building began to show cracks and detachments in several areas shortly after its construction.
OPTIMA PERICIAL analyzed the type of pavement, its execution and the conditions of use of the facility.
The report determined that the origin of the problem was related to a construction defect in the pavement's execution.
A company installed new industrial equipment that began to experience repeated failures shortly after it was put into operation.
OPTIMA PERICIAL analyzed the equipment installation and operating conditions.
The report determined that the problem originated in the way the equipment had been installed.
A metal enclosure installed on a property began to show deterioration and loss of protection shortly after its installation.
OPTIMA PERICIAL analyzed the protection system applied and the environmental conditions of the area.
The report determined that the origin of the problem lay in the treatment applied to the material during its manufacture.
At Optima Pericial, we handle insurance claims in Ibiza and throughout the Balearic Islands. We respond quickly to any incident to conduct an independent technical assessment and defend your interests against the insurance company.
Causal analysis is a technical study that allows you to determine what really caused damage or an accident , by analyzing the origin of the problem and the sequence of events that generated it.
It is advisable to perform a causal analysis when:
The insurance company rejects a claim
There is conflict regarding the origin of the damage.
There are several possible culprits.
A technical report is needed for a claim.
Yes. An expert report on causal analysis can technically demonstrate that the damage is indeed covered by the policy, allowing for a valid claim against the insurer.
Yes. Reports prepared by qualified experts can be used as expert evidence in legal proceedings.
The cost depends on the complexity of the incident, the type of investigation required, and the preparation of the expert report.
At Optima Pericial we conduct an initial evaluation of the case to determine the scope of the work.
If you need an official valuation, a technical report or the intervention of a court expert in Ibiza or the Balearic Islands, contact us.