Technical Loss Investigation and Claims Support in Indonesia

Claims on technical assets turn on engineering questions: what failed, why, how far the damage extends, what reinstatement costs, and whether anyone else is responsible. itmad provides technical loss investigation and claims support for insurers and brokers in Indonesia, establishing the cause and extent of the loss, assessing quantum and identifying the recovery position. itmad provides the technical investigation and assessment on which loss adjusting and claims settlement rely. itmad has worked in Indonesia for more than 10 years. Last reviewed: October 2026.

Why technical investigation matters in a claim

Claims on technical assets turn on engineering questions: what failed, why, how far the damage extends, what reinstatement costs, and whether anyone else is responsible. Answering the questions properly requires someone who can read the plant, not only the policy. Establishing the failure mechanism on a burnt-out transformer, a cracked pressure vessel or a collapsed structure is an engineering exercise, and the exercise is the part of a technical claim most often handled thinly, which is what produces disputed settlements and reopened files.

What itmad establishes

• Cause of lossThe failure mechanism and the sequence of events that produced the failure, on evidence rather than on the account of the insured.
• Extent of damageWhat is actually damaged, separated from what was already degraded before the event, which is usually the point on which the settlement turns.
• QuantumCost of reinstatement or repair, assessed against realistic scope and current costs rather than against the first quotation obtained.
• Business interruptionWhere cover extends to business interruption, the technical basis for downtime: equipment lead times, repair sequence and realistic return-to-service dates.
• Recovery positionWhether the act, product or workmanship of a third party contributed, and what evidence would support subrogation.
• Policy-relevant technical factsMaintenance history, operating conditions and compliance status, reported factually so that the coverage position can be determined by the parties responsible for the coverage position.

Attending early

The evidence available in the first days is not available later. Damaged components get cleared, sites get made safe, and repairs begin under commercial pressure. Early attendance preserves the physical evidence, records the scene, and secures failed components before the components are scrapped, which is what makes a defensible finding possible weeks later when the position is challenged.

Claim types

• Machinery breakdown and plant failure
• Property damage, fire and explosion
• Construction and erection all risks
• Marine, cargo and transit losses
• Electrical and electronic equipment
• Business interruption arising from technical loss
• Product liability and defect claims

Reporting

• Interim report where an early indication is needed for reserving
• Circumstances of the loss and the evidence examined
• Technical findings on cause and extent, with photographic support
• Assessed quantum with the basis and assumptions stated
• Recovery position and what would be needed to pursue the recovery
• Clear separation between what the evidence establishes and what remains uncertain
• Reporting in the format that the instructing insurer or broker uses

Independence in loss investigation

itmad holds no interest in the settlement. itmad does not carry out the repairs that itmad assesses, supply replacement equipment, broker insurance, or act on a contingent basis. The technical finding is reported as found, including where the finding does not assist the instructing party.

Related services

Where the question is what caused the failure, damage assessment and expert reports cover the question in more depth. Where responsibility between parties is contested, liability assessment addresses responsibility specifically. Where the exposure needs assessing before a loss occurs, risk engineering applies.

Frequently asked questions

What is technical loss investigation?

Technical loss investigation establishes, on engineering evidence, what failed, why, how far the damage extends, what reinstatement costs, and whether anyone else is responsible. Claims on technical assets turn on the engineering questions, and answering the questions properly requires someone who can read the plant, not only the policy.

What does itmad establish in a technical loss investigation?

itmad establishes the cause of loss, the extent of damage separated from pre-existing degradation, the quantum of reinstatement or repair, and the technical basis for business interruption downtime. itmad also identifies the recovery position and reports the policy-relevant technical facts.

Why does itmad attend a loss early?

The evidence available in the first days is not available later, because damaged components get cleared, sites get made safe, and repairs begin under commercial pressure. Early attendance preserves the physical evidence, records the scene, and secures failed components before the components are scrapped.

Which types of claim does itmad investigate?

itmad investigates machinery breakdown and plant failure, property damage, fire and explosion, construction and erection all risks, and marine, cargo and transit losses. itmad also investigates electrical and electronic equipment losses, business interruption arising from technical loss, and product liability and defect claims.

What does a technical loss report contain?

The report contains the circumstances of the loss and the evidence examined, the technical findings on cause and extent with photographic support, and the assessed quantum with the basis and assumptions stated. The report also states the recovery position and clearly separates what the evidence establishes from what remains uncertain.

Does itmad carry out the repairs that itmad assesses?

No. itmad holds no interest in the settlement, does not carry out the repairs that itmad assesses, does not supply replacement equipment, does not broker insurance, and does not act on a contingent basis. The technical finding is reported as found, including where the finding does not assist the instructing party.