GIPSA circular
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Srinivas Rao
Jul 17, 2010, 1:37:13 AM7/17/10
to insurance...@googlegroups.com
Dear brothers,'
Can anybody provide GIPSA circular No: RK/Survey fee/46/ms/2007 dt.28.8.2008, (regarding the basis of settlement of survey fee) as i am the victim. One PSU company settled the fee based on Sum insured value in a fire claim.
ASSESSED LOSS IS Rs.38 LAKHS AND PAYABLE LOSS IS Rs.4.5LAKHS. SUM INSURED VALUE IS Rs.6.0LAKHS.
I made a representation , but it was not finalised by RM also. It was said to be referred to HO.
If anybody of our community will provide the same, it will be helpful to me.
Sri Anoop Kumar also asked the same long back.
SRINIVASARAO, Surveyor(SLA 33551)
11-10-5/1, RAMIREDDYPET,
Sai Sadanam, NARASARAOPET-522601
mOBILE: 98481 57566
Can anybody provide GIPSA circular No: RK/Survey fee/46/ms/2007 dt.28.8.2008, (regarding the basis of settlement of survey fee) as i am the victim. One PSU company settled the fee based on Sum insured value in a fire claim.
ASSESSED LOSS IS Rs.38 LAKHS AND PAYABLE LOSS IS Rs.4.5LAKHS. SUM INSURED VALUE IS Rs.6.0LAKHS.
I made a representation , but it was not finalised by RM also. It was said to be referred to HO.
If anybody of our community will provide the same, it will be helpful to me.
Sri Anoop Kumar also asked the same long back.
SRINIVASARAO, Surveyor(SLA 33551)
11-10-5/1, RAMIREDDYPET,
Sai Sadanam, NARASARAOPET-522601
mOBILE: 98481 57566
PARMOD MITTAL
Jul 17, 2010, 7:47:06 AM7/17/10
to insurance...@googlegroups.com
Though I am not having the circular but in my opinion the insurer
is right, in such cases fee is paid maximum on the basis of SI.
If any body find circular contratory to the above then please let me
know as I often meet such situation.
Parmod Mittal
Mittal Surveyors Pvt. Ltd.
Mittal Street
Amrik Singh Road
Bathinda (Punjab) -151005
ms...@hotmail.com
(M) 098140-35030
(O) 0164-2250590
Date: Sat, 17 Jul 2010 05:37:13 +0000
To: insurance...@googlegroups.com
Subject: {Surveyors:5137} GIPSA circular
From: sriniva...@rediffmail.com
is right, in such cases fee is paid maximum on the basis of SI.
If any body find circular contratory to the above then please let me
know as I often meet such situation.
Parmod Mittal
Mittal Surveyors Pvt. Ltd.
Mittal Street
Amrik Singh Road
Bathinda (Punjab) -151005
ms...@hotmail.com
(M) 098140-35030
(O) 0164-2250590
Date: Sat, 17 Jul 2010 05:37:13 +0000
To: insurance...@googlegroups.com
Subject: {Surveyors:5137} GIPSA circular
From: sriniva...@rediffmail.com
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Surinder Mohan Verma
Jul 17, 2010, 8:32:34 PM7/17/10
to SURVEYORS INSURANCE
Dear Sir,
In my opinion, the SI is the maximum liability of the Insurers and the Survey Fee should be paid on the basis of Loss Assessed.
Surrinder Mohan Verma
Abohar
094170 79248.
From: ms...@hotmail.com
To: insurance...@googlegroups.com
Subject: RE: {Surveyors:5142} GIPSA circular
Date: Sat, 17 Jul 2010 17:17:06 +0530
In my opinion, the SI is the maximum liability of the Insurers and the Survey Fee should be paid on the basis of Loss Assessed.
Surrinder Mohan Verma
Abohar
094170 79248.
From: ms...@hotmail.com
To: insurance...@googlegroups.com
Subject: RE: {Surveyors:5142} GIPSA circular
Date: Sat, 17 Jul 2010 17:17:06 +0530
chandra dasaraju
Jul 18, 2010, 5:58:18 AM7/18/10
to Insurance surveyors
Dear sir,
That is true. Sum Insured reflects maximum liability to the insurer.
The insurer keeps this limit in view while appointing the Surveyor
(keeping the financial limit of the deputing authority, in view).
But, this limit (Sum Insured) is not the criteria for payment of
survey fee. GIPSA circular clearly states, as foot note. The survey
fee is payable on the gross loss assessed, before application of any
adjustments; D, S, A, E. The Gross loss assessed is on reinstatament
value both for indeminty and reinstatement poicies. This is clear
from the surveyr fee circular. I do not know how anybody can
interpret the circualr otherwise.
Deputing authority's financial delgation is one thing, while the
survey fee payability is another aspect. But it seems the insurer is
clubbing these two aspects, and depriving the surveyor his just fee
(as contained in the survey fee circular). The concerned surveyor may
highlight these points to the insurer for just consideration to pay
the fee.
Thanks & Regards,
dcs raju, hyderabad.
+91-99490-95995.
(Birmingham, UK)
On 18 July, 01:32, Surinder Mohan Verma <verma_abo...@hotmail.com>
wrote:
That is true. Sum Insured reflects maximum liability to the insurer.
The insurer keeps this limit in view while appointing the Surveyor
(keeping the financial limit of the deputing authority, in view).
But, this limit (Sum Insured) is not the criteria for payment of
survey fee. GIPSA circular clearly states, as foot note. The survey
fee is payable on the gross loss assessed, before application of any
adjustments; D, S, A, E. The Gross loss assessed is on reinstatament
value both for indeminty and reinstatement poicies. This is clear
from the surveyr fee circular. I do not know how anybody can
interpret the circualr otherwise.
Deputing authority's financial delgation is one thing, while the
survey fee payability is another aspect. But it seems the insurer is
clubbing these two aspects, and depriving the surveyor his just fee
(as contained in the survey fee circular). The concerned surveyor may
highlight these points to the insurer for just consideration to pay
the fee.
Thanks & Regards,
dcs raju, hyderabad.
+91-99490-95995.
(Birmingham, UK)
On 18 July, 01:32, Surinder Mohan Verma <verma_abo...@hotmail.com>
wrote:
mohit agarwal
Jul 18, 2010, 12:31:17 AM7/18/10
to insurance...@googlegroups.com
Dear Sir,
What is assessed loss ?
Assessed loss means nett payble amount by the insurer
How we can assessed the loss, more then SI
Hence fee is payble on nett payble amount
Thanks & Regards,
Mohit Agrawal
Surveyor, Agra
SLA 29400
From: Surinder Mohan Verma <verma_...@hotmail.com>
To: SURVEYORS INSURANCE <insurance...@googlegroups.com>
Sent: Sun, 18 July, 2010 6:02:34 AM
Subject: RE: {Surveyors:5148} GIPSA circular
PARMOD MITTAL
Jul 19, 2010, 1:35:39 AM7/19/10
to insurance...@googlegroups.com
Survey fee is not paid on the basis of payable to insured.
Survey fee is paid on the basis of assessed loss before making
adjustments for Clauses: Average Clause & Excess Clause.
Survey fee is paid on the basis of assessed loss before making
adjustments for Clauses: Average Clause & Excess Clause.
Parmod Mittal
Mittal Surveyors Pvt. Ltd.
Mittal Street
Amrik Singh Road
Bathinda (Punjab) -151005
ms...@hotmail.com
(M) 098140-35030
(O) 0164-2250590
Date: Sun, 18 Jul 2010 10:01:17 +0530
From: mohit...@yahoo.co.in
Subject: Re: {Surveyors:5159} GIPSA circular
To: insurance...@googlegroups.com
From: mohit...@yahoo.co.in
Subject: Re: {Surveyors:5159} GIPSA circular
To: insurance...@googlegroups.com
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Srinivas Rao
Jul 19, 2010, 4:45:13 AM7/19/10
to insurance...@googlegroups.com
Dear Sir,
Sum insured value is Rs.6,00,000
Stock value is Rs.48,00,000/-. Entire stock was involved in fire accident. With great difficulty , some quantity of intact stock was picked out from the entire stock and its value is Rs.8,000,00/-. The same was deducted as salvage value. So gross loss is Rs.40,00,000/-.
By applying average clause, the loss was reduced to Rs.5,00,000/-. So Rs. 5.0 lakhs is the net payable loss.
Assessed loss = Fire fighting expenditure+ loss- Salvage i.e before under insurance and excess.
I have claimed the professional fee based on gross loss. Insurers settled the fee by considering the SI.
It is not mentioned anywhere in the Fee schedule (2007) supplied to all the surveyors regarding the consideration of sum insured value in settling the fee.
I think i am not wrong in claiming the fee on gross loss. Opinion required please.
SRINIVASARAO
On Mon, 19 Jul 2010 10:53:14 +0530 wrote
>
>
>
From: Surinder Mohan Verma
>Dear Sir,
>
>In my opinion, the SI is the maximum liability of the Insurers and the Survey Fee should be paid on the basis of Loss Assessed.
>
>Surrinder Mohan Verma
>Abohar
>094170 79248.
>
>
From: ms...@hotmail.com
>To: insurance...@googlegroups.com
>Subject: RE: {Surveyors:5142} GIPSA circular
>Date: Sat, 17 Jul 2010 17:17:06 +0530
>
>is right, in such cases fee is paid maximum on the basis of SI.
Sum insured value is Rs.6,00,000
Stock value is Rs.48,00,000/-. Entire stock was involved in fire accident. With great difficulty , some quantity of intact stock was picked out from the entire stock and its value is Rs.8,000,00/-. The same was deducted as salvage value. So gross loss is Rs.40,00,000/-.
By applying average clause, the loss was reduced to Rs.5,00,000/-. So Rs. 5.0 lakhs is the net payable loss.
Assessed loss = Fire fighting expenditure+ loss- Salvage i.e before under insurance and excess.
I have claimed the professional fee based on gross loss. Insurers settled the fee by considering the SI.
It is not mentioned anywhere in the Fee schedule (2007) supplied to all the surveyors regarding the consideration of sum insured value in settling the fee.
I think i am not wrong in claiming the fee on gross loss. Opinion required please.
SRINIVASARAO
On Mon, 19 Jul 2010 10:53:14 +0530 wrote
>
Dear Sir,
What is assessed loss ?
Assessed loss means nett payble amount by the insurer
How we can assessed the loss, more then SI
Hence fee is payble on nett payble amount
>
>
Thanks & Regards,
Mohit Agrawal
Surveyor, Agra
SLA 29400
>
>
From: Surinder Mohan Verma
>To: SURVEYORS INSURANCE
>Sent: Sun, 18 July, 2010 6:02:34 AM
>Subject: RE: {Surveyors:5148} GIPSA circular
>
>Subject: RE: {Surveyors:5148} GIPSA circular
>
>Dear Sir,
>
>In my opinion, the SI is the maximum liability of the Insurers and the Survey Fee should be paid on the basis of Loss Assessed.
>
>Surrinder Mohan Verma
>Abohar
>094170 79248.
>
>
From: ms...@hotmail.com
>To: insurance...@googlegroups.com
>Subject: RE: {Surveyors:5142} GIPSA circular
>Date: Sat, 17 Jul 2010 17:17:06 +0530
>
>Though I am not having the circular butin my opinion the insurer
>is right, in such cases fee is paid maximum on the basis of SI.
>Ifany body find circular contratory to the above then please let me
Denesh Saxena
Jul 19, 2010, 8:31:14 AM7/19/10
to insurance...@googlegroups.com
Dear Sri Srinivasarao & All,
You are right and your chaging of professional fees on grossed assessed loss is very much right. The liability of insurers or net payable loss is some thing different and not relevent.
As the matter of fact the surveyor has to workout & verify the whole loss irrespective of the sum insured or average clause and the payable loss / liability. In many cases even the assessed loss is not payable under the policy conditions but the fees is always payable.
The schedule as understood by you is the right way and very much clear too.
I would also request that the members who are not clear in any matter should not offer any opinions.
Regards
D.K. SAXENA
Mob. No. - 09837048029
jalan
Jul 20, 2010, 6:24:49 AM7/20/10
to Insurance surveyors
Dear Friends,
it is indeed sad that we surveyors do not understand the difference
between assessment and adjustment. Loss assessed is the cost of
restoration and after adjustments we arrive at liability. Our effort
is dependent upon loss assessed. Similarly, IDV or SI defines the
limit of liability of the insured and comes into play after loss is
asessed. The fire and engg schedule is very clear on this aspect. SI
or net liability have no role to play in survey fees schedule. It is
the gross assessment that determines the fees. Nowadays some private
insurers are taking advantage of our weekness and ignorance and have
started paying fees on the basis of net payable liability in motor
survey. It simply manifests how week and helpless we are.
Rasmesh Jalan
On Jul 18, 9:31 am, mohit agarwal <mohitagr...@yahoo.co.in> wrote:
> Dear Sir,
> What is assessed loss ?
> Assessed loss means nett payble amount by the insurer
> How we can assessed the loss, more then SI
> Hence fee is payble on nett payble amount
>
> Thanks & Regards,
>
> Mohit Agrawal
> Surveyor, Agra
> SLA 29400
> 09412254183
> 09557277001
> My alternate mail ID is :- mohit.surve...@gmail.com
>
> ________________________________
> From: Surinder Mohan Verma <verma_abo...@hotmail.com>
it is indeed sad that we surveyors do not understand the difference
between assessment and adjustment. Loss assessed is the cost of
restoration and after adjustments we arrive at liability. Our effort
is dependent upon loss assessed. Similarly, IDV or SI defines the
limit of liability of the insured and comes into play after loss is
asessed. The fire and engg schedule is very clear on this aspect. SI
or net liability have no role to play in survey fees schedule. It is
the gross assessment that determines the fees. Nowadays some private
insurers are taking advantage of our weekness and ignorance and have
started paying fees on the basis of net payable liability in motor
survey. It simply manifests how week and helpless we are.
Rasmesh Jalan
On Jul 18, 9:31 am, mohit agarwal <mohitagr...@yahoo.co.in> wrote:
> Dear Sir,
> What is assessed loss ?
> Assessed loss means nett payble amount by the insurer
> How we can assessed the loss, more then SI
> Hence fee is payble on nett payble amount
>
> Thanks & Regards,
>
> Mohit Agrawal
> Surveyor, Agra
> SLA 29400
> 09412254183
> 09557277001
>
> ________________________________
> From: Surinder Mohan Verma <verma_abo...@hotmail.com>
> To: SURVEYORS INSURANCE <insurance...@googlegroups.com>
> Sent: Sun, 18 July, 2010 6:02:34 AM
> Subject: RE: {Surveyors:5148} GIPSA circular
>
> Dear Sir,
>
> In my opinion, the SI is the maximum liability of the Insurers and the Survey
> Fee should be paid on the basis of Loss Assessed.
>
>
> Surrinder Mohan Verma
> Abohar
> 094170 79248.
>
> ________________________________
> From: m...@hotmail.com
> Sent: Sun, 18 July, 2010 6:02:34 AM
> Subject: RE: {Surveyors:5148} GIPSA circular
>
> Dear Sir,
>
> In my opinion, the SI is the maximum liability of the Insurers and the Survey
> Fee should be paid on the basis of Loss Assessed.
>
>
> Surrinder Mohan Verma
> Abohar
> 094170 79248.
>
> ________________________________
> To: insurance...@googlegroups.com
> Subject: RE: {Surveyors:5142} GIPSA circular
> Date: Sat, 17 Jul 2010 17:17:06 +0530
>
> Though I am not having the circular but in my opinion the insurer
> is right, in such cases fee is paid maximum on the basis of SI.
> If any body find circular contratory to the above then please let me
> know as I often meet such situation.
>
>
> Parmod Mittal
> Mittal Surveyors Pvt. Ltd.
> Mittal Street
> Amrik Singh Road
> Bathinda (Punjab) -151005
>
> m...@hotmail.com
> Subject: RE: {Surveyors:5142} GIPSA circular
> Date: Sat, 17 Jul 2010 17:17:06 +0530
>
> Though I am not having the circular but in my opinion the insurer
> is right, in such cases fee is paid maximum on the basis of SI.
> If any body find circular contratory to the above then please let me
> know as I often meet such situation.
>
>
> Parmod Mittal
> Mittal Surveyors Pvt. Ltd.
> Mittal Street
> Amrik Singh Road
> Bathinda (Punjab) -151005
>
> (M) 098140-35030
> (O) 0164-2250590
>
>
>
> ________________________________
> Date: Sat, 17 Jul 2010 05:37:13 +0000
> To: insurance...@googlegroups.com
> Subject: {Surveyors:5137} GIPSA circular
> From: srinivas_ma...@rediffmail.com
> (O) 0164-2250590
>
>
>
> ________________________________
> Date: Sat, 17 Jul 2010 05:37:13 +0000
> To: insurance...@googlegroups.com
> Subject: {Surveyors:5137} GIPSA circular
>
> Dear brothers,'
> Can anybody provide GIPSA circular No: RK/Survey fee/46/ms/2007 dt.28.8.2008,
> (regarding the basis of settlement of survey fee) as i am the victim. One PSU
> company settled the fee based on Sum insured value in a fire claim.
>
> ASSESSED LOSS IS Rs.38 LAKHS AND PAYABLE LOSS IS Rs.4.5LAKHS. SUM INSURED VALUE
> IS Rs.6.0LAKHS.
>
> I made a representation , but it was not finalised by RM also. It was said to be
> referred to HO.
> If anybody of our community will provide the same, it will be helpful to me.
> Sri Anoop Kumar also asked the same long back.
>
> SRINIVASARAO, Surveyor(SLA 33551)
> 11-10-5/1, RAMIREDDYPET,
> Sai Sadanam, NARASARAOPET-522601
> mOBILE: 98481 57566
>
> Dear brothers,'
> Can anybody provide GIPSA circular No: RK/Survey fee/46/ms/2007 dt.28.8.2008,
> (regarding the basis of settlement of survey fee) as i am the victim. One PSU
> company settled the fee based on Sum insured value in a fire claim.
>
> ASSESSED LOSS IS Rs.38 LAKHS AND PAYABLE LOSS IS Rs.4.5LAKHS. SUM INSURED VALUE
> IS Rs.6.0LAKHS.
>
> I made a representation , but it was not finalised by RM also. It was said to be
> referred to HO.
> If anybody of our community will provide the same, it will be helpful to me.
> Sri Anoop Kumar also asked the same long back.
>
> SRINIVASARAO, Surveyor(SLA 33551)
> 11-10-5/1, RAMIREDDYPET,
> Sai Sadanam, NARASARAOPET-522601
> mOBILE: 98481 57566
>
> --
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> ________________________________
> The dark side of terrorists revealed in MSN Internal Security Get it now.
> --
> You received this message because you are subscribed to the Google Groups
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> ________________________________
> The dark side of terrorists revealed in MSN Internal Security Get it now.
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> You received this message because you are subscribed to the Google Groups
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PRAKASH
Jul 20, 2010, 11:09:24 PM7/20/10
to Insurance surveyors
Dear members,
The fees that you charge is for the quantum of work you do.The
estimate and claim bill with it's details is the ground material that
you work on and quantify the loss that has occurred. Your work may
involve much more in many cases in comparison to the SI. You cannot
limit your work to amount in SI, nor can count only "say an X portion
of loss" and" set aside Y portion un-assessed". Your exercise involves
quantifying the loss that has occurred. So you must charge for the
same.
For Eg. In a Motor claim the estimate is Rs. 3 Lakhs- and IDV is 1.5
lakhs. While assessing you wont start with part no.1 and stop at part
no. X saying that the total sum from 1 to X is amounting to the IDV
and close your assessment there. You check the complete estimate and
put your remarks , whether the item has been affected or not.
So you are charging for the work you do.
I haven't said something new, but only pinpointed to the orientation
of thoughts.
Regards to all members.
Lakshman Iyer
Aurangabad
9822050433
On Jul 17, 10:37 am, "Srinivas Rao" <srinivas_ma...@rediffmail.com>
wrote:
The fees that you charge is for the quantum of work you do.The
estimate and claim bill with it's details is the ground material that
you work on and quantify the loss that has occurred. Your work may
involve much more in many cases in comparison to the SI. You cannot
limit your work to amount in SI, nor can count only "say an X portion
of loss" and" set aside Y portion un-assessed". Your exercise involves
quantifying the loss that has occurred. So you must charge for the
same.
For Eg. In a Motor claim the estimate is Rs. 3 Lakhs- and IDV is 1.5
lakhs. While assessing you wont start with part no.1 and stop at part
no. X saying that the total sum from 1 to X is amounting to the IDV
and close your assessment there. You check the complete estimate and
put your remarks , whether the item has been affected or not.
So you are charging for the work you do.
I haven't said something new, but only pinpointed to the orientation
of thoughts.
Regards to all members.
Lakshman Iyer
Aurangabad
9822050433
On Jul 17, 10:37 am, "Srinivas Rao" <srinivas_ma...@rediffmail.com>
wrote:
> Dear brothers,'
> Can anybody provide GIPSA circular No: RK/Survey fee/46/ms/2007 dt.28.8.2008, (regarding the basis of settlement of survey fee) as i am the victim. One PSU company settled the fee based on Sum insured value in a fire claim.
> ASSESSED LOSS IS Rs.38 LAKHS AND PAYABLE LOSS IS Rs.4.5LAKHS. SUM INSURED VALUE IS Rs.6.0LAKHS. I made a representation , but it was not finalised by RM also. It was said to be referred to HO.If anybody of our community will provide the same, it will be helpful to me. Sri Anoop Kumar also asked the same long back.
> Can anybody provide GIPSA circular No: RK/Survey fee/46/ms/2007 dt.28.8.2008, (regarding the basis of settlement of survey fee) as i am the victim. One PSU company settled the fee based on Sum insured value in a fire claim.
PARMOD MITTAL
Jul 22, 2010, 12:31:15 AM7/22/10
to insurance...@googlegroups.com
In one claim under Bankers Indeminity Policy S.I. 10.00 lacs and Loss is around 5.50 Crores.
On what amount S Fee should be paid.
On what amount S Fee should be paid.
Parmod Mittal
Mittal Surveyors Pvt. Ltd.
Mittal Street
Amrik Singh Road
Bathinda (Punjab) -151005
> Date: Tue, 20 Jul 2010 20:09:24 -0700
> Subject: {Surveyors:5168} Re: GIPSA circular
> From: lakshma...@yahoo.com
> To: insurance...@googlegroups.com
> Subject: {Surveyors:5168} Re: GIPSA circular
> From: lakshma...@yahoo.com
> To: insurance...@googlegroups.com
> --
> You received this message because you are subscribed to the Google Groups "Insurance surveyors" group.
> To post to this group, send email to insurance...@googlegroups.com.
> To unsubscribe from this group, send email to insurance_surve...@googlegroups.com.
> You received this message because you are subscribed to the Google Groups "Insurance surveyors" group.
> To post to this group, send email to insurance...@googlegroups.com.
> To unsubscribe from this group, send email to insurance_surve...@googlegroups.com.
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