We are not an insurer, and the report does not approve, deny or
influence a claim. It is a factual technical statement from a technician:
what we saw, what works, what does not, and what the repair would involve.
Your insurer reads it alongside their own assessment and decides.
We report what we observe, not what we think happened. If liquid
ingress indicators are tripped we say so. If a display is fractured from
impact we describe the impact pattern. We do not speculate about
circumstances we cannot see, and we will not write anything a claim
officer could not verify from the device itself.
If the honest answer is that the device is not worth repairing, that
is what the report will say. A report that always argues for a payout is
worth nothing to the insurer, and will be discounted on every future claim
you make through us.
If an insurer sends us directly, we work to their written
instruction and confirm the scope with you before we open anything. Their
requirements take precedence over what you ask for on the day, and we will
tell you if we think an instruction will destroy evidence.
Your data is still your data. An assessment may involve reading
storage enough to establish whether data survives. We do not browse,
copy or transmit the contents of your device. How that is handled is set
out in our privacy policy, which also
explains that an insurer receiving your report is a third party.