Published
December 4, 2025

The Claims Compass: Guiding Recovery Across Asia

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On 11 September, the Singapore College Of Insurance and The Chartered Institute of Loss Adjusters (CILA) hosted the ๐—Ÿ๐—ผ๐˜€๐˜€ ๐—”๐—ฑ๐—ท๐˜‚๐˜€๐˜๐—ถ๐—ป๐—ด ๐—™๐—ผ๐—ฟ๐˜‚๐—บ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฑ, bringing together leading voices from across the region to reflect on how loss adjusting is evolving in a world shaped by new risks, shifting client needs, and accelerating complexity.

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The forum was opened by Shalini Pavithran and Aruna Chandrapalan ACMA ACILA ASII CFE, who emphasised that the true value of loss adjusters lies not only in technical accuracy but in their ability to guide resilience, recovery, and trust across the insurance ecosystem.

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๐—ž๐—ฒ๐˜† ๐—œ๐—ป๐˜€๐—ถ๐—ด๐—ต๐˜๐˜€ ๐—ณ๐—ฟ๐—ผ๐—บ ๐—ข๐˜‚๐—ฟ ๐—˜๐˜€๐˜๐—ฒ๐—ฒ๐—บ๐—ฒ๐—ฑ ๐—ฆ๐—ฝ๐—ฒ๐—ฎ๐—ธ๐—ฒ๐—ฟ๐˜€ ๐—ฎ๐—ป๐—ฑ ๐—œ๐—ป๐—ฑ๐˜‚๐˜€๐˜๐—ฟ๐˜† ๐—˜๐˜…๐—ฝ๐—ฒ๐—ฟ๐˜๐˜€

โ€Jagjote Singh ACMA, CGMA revealed how business interruption claims are being reshaped by pandemics, cyber events, climate change and changes to business operational models โ€“ highlighting that forensic accuracy is now more critical than ever to ensure credibility and fairness in loss adjusting.

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Thangarajah Thangamany shared the principles, challenges, and strategic considerations of effective subrogation, highlighting key factors such as early evidence preservation, clear establishment of causation, and agreement on quantum as critical to achieving successful outcomes.

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Nicholas Sykes highlighted the Sky UK v Riverstone case, where the court confirmed that insurance can cover not just damage during the policy period but also certain subsequent deterioration or development damage caused by that damage, reinforcing the need for fair indemnity. He also addressed subrogation, stressing insurersโ€™ rights to recover from third parties and illustrating through recent cases how co-insurance defences are limited and underlying contract terms remain decisive.

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๐—ฃ๐—ฎ๐—ป๐—ฒ๐—น ๐——๐—ถ๐˜€๐—ฐ๐˜‚๐˜€๐˜€๐—ถ๐—ผ๐—ป โ€“ โ€œ๐—”๐—ฑ๐—ท๐˜‚๐˜€๐˜๐—ถ๐—ป๐—ด ๐—˜๐˜…๐—ฝ๐—ฒ๐—ฐ๐˜๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€: ๐—ง๐—ต๐—ฒ ๐—˜๐˜ƒ๐—ผ๐—น๐˜ƒ๐—ถ๐—ป๐—ด ๐—ฅ๐—ผ๐—น๐—ฒ ๐—ผ๐—ณ ๐—Ÿ๐—ผ๐˜€๐˜€ ๐—”๐—ฑ๐—ท๐˜‚๐˜€๐˜๐—ฒ๐—ฟ๐˜€ ๐—ถ๐—ป ๐— ๐—ผ๐—ฑ๐—ฒ๐—ฟ๐—ป ๐—–๐—น๐—ฎ๐—ถ๐—บ๐˜€โ€ brought together Aruna Chandrapalan ACMA ACILA ASII CFE, Navin Vasan Pit Wen Lee , Anthony Hutchings and Alexander B. The panel discussed how clients increasingly expect adjusters to go beyond assessing losses - to deliver speed, insights, and collaborative solutions that support continuity and confidence in uncertain times.

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A heartfelt thank you to our partners โ€“ Crawford, Sedgwick, Loss Adjusters Association Singapore, and FortisCor Adjusters Pte Ltd โ€“ and to all our distinguished speakers and engaged attendees who made this forum a resounding success.

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Your insights, collaboration, and commitment are not only advancing the practice of loss adjusting but also shaping the future of claims and strengthening the profession across Asia.

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For more information, contact TT@scidomain.org.sg

More details will follow.

The Claims Compass: Guiding Recovery Across Asia

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