skadehanteringen

Skadehåndtering (skadehanteringen) refers to the systematic process of managing damages or losses after an adverse event, most commonly within the insurance industry but also in broader risk management contexts. The aim is to evaluate coverage and liability, quantify the loss, coordinate remediation, and deliver appropriate compensation while preserving records and complying with laws and standards.

The process typically starts with reporting of an incident by a policyholder, customer, or internal source. The claim is registered and information is collected through documentation, photos, statements, and professional estimates. A triage determines priority and who will handle the case. An investigator or claims handler assesses facts, verifies coverage, and estimates the loss. If needed, contractors, adjusters, or engineers may be engaged to assess damage and mitigate further harm. The responsible party reviews the assessment, approves compensation up to policy limits, and arranges payment or remediation. The file is closed once settlement is completed, though disputes or reopenings can occur.

Key roles in skadehåndtering include policyholders, claims handlers, adjusters or loss assessors, engineers or appraisers, repair vendors, and legal or regulatory advisers. Tools commonly used are claims management systems, digital documentation, on-site inspections, and data analytics to support decision making and quality control.

Regulatory and standards considerations encompass data privacy, consumer protection, and insurance regulations. Organizations may align with quality and risk management standards (for example ISO 9001, ISO 31000) and accounting or actuarial frameworks relevant to insurance contracts. The practice emphasizes transparency, accuracy, and timely resolution to support loss mitigation and customer trust.