Our Clients
Over the past 42 years we have worked with a wide range of insurers and insurance organisations including:
J F Lowe Loss Adjusters & Claims Consultants
For more than 42 years, J F Lowe Insurance Loss Adjusters and Claims Consultants have provided trusted, independent loss adjusting services to the short-term insurance industry in South Africa and internationally.
Our expertise covers complex and technical claims across a wide range of sectors, including engineering, fire, plant, liability and business interruption claims. With decades of hands-on industry experience, we work closely with insurers, brokers, and legal professionals to investigate losses, determine causes, and ensure fair and accurate claim assessments.
Our reputation has been built on technical expertise, integrity, and reliable reporting, making us a trusted partner to insurers when handling high-value or technically complex claims.
Over the years we have assisted leading insurers including Santam Commercial, Santam Complex Claims, Western National, Infiniti, M&F, Allianz, SA Eagle, Guardian, Lloyds, and many others within the insurance market.
Our Approach
Every claim is unique. Our approach focuses on:
- Thorough investigation and fact-finding
- Determination of insurance cover
- Accurate technical assessment of losses
- Determination of quantum and providing realistic estimates
- Professional and independent claim evaluation
- Clear, detailed reporting to insurers and stakeholders
- Claim settlement recommendations
- Efficient turnaround times for complex matters
- Assistance with possible recovery
Whether the claim involves storm damage to roads and bridges, engineering failures, fire damage, plant breakdown, business interruption or theft, we provide insurers with the information required to make informed decisions.
Services
Loss Adjusting Services
J F Lowe Insurance Loss Adjusters and Claims Consultants provide independent loss adjusting services across a wide range of claim categories within the short-term insurance sector.
Engineering & Technical Claims
We specialize in assessing claims covered under the following risk categories: Contractors All Risks, Erection All Risks, Plant All Risks and Machinery breakdown. Our expertise allows us to determine the cause of loss, evaluate damage, and recommend fair claim settlements.
Fire & Explosion Claims
Fire losses can involve extensive damage and complicated liability considerations. We conduct detailed investigations to determine origin, extent of damage, and potential contributing factors.
Plant & Machinery Claims
Breakdowns or damage to plant and machinery can result in significant operational disruption. Our team evaluates equipment damage, repair feasibility, and replacement requirements.
Business Interruption Claims
When business operations are interrupted due to insured events, accurate calculation of financial losses is essential. We assess the impact on business revenue and assist insurers in determining appropriate compensation.
Liability Claims
We investigate liability claims to determine responsibility, contributing factors, and financial exposure. These include product liability and defective workmanship liability
International & Local Claims
Our services extend beyond South Africa, with experience handling claims both locally and internationally.
Trusted Expertise
A Legacy of Technical Expertise
J F Lowe Insurance Loss Adjusters and Claims Consultants have built a strong reputation over more than four decades in the insurance industry. Our firm is known for technical expertise, independence, and professional integrity, assisting insurers in evaluating complex claims with accuracy and fairness.
Josua F Lowe (PrEng)
Josua F Lowe is a Professional Engineer with extensive experience in technical loss adjusting and engineering-related claims. Over his career he has handled numerous complex cases involving engineering failures, plant damage, fire losses, and industrial incidents.
His strong technical background allows him to assess the root cause of losses and provide insurers with detailed and reliable reports.
Marlise Mitchell-Lowe
Marlise Mitchell-Lowe supports the practice through assistance in loss adjusting, administrative coordination, client liaison, and claim management. Her experience ensures efficient communication with insurers, brokers, and stakeholders throughout the claims process.
Request Assistance or Submit a Claim Enquiry
If you require professional assistance with an insurance claim or need an experienced loss adjuster to investigate a complex loss, please complete the form below.
Our team will review your enquiry and respond as soon as possible.