Mining and Natural Resources Loss Adjusting

Mining and natural resources claims combine engineering, operational, environmental and geological risks. They often occur in remote or demanding sites with high operating costs. A loss may affect heavy equipment, internal roads, conveying systems, processing plants, storage facilities or the ability of the site to continue production. These claims require a technical review that considers the nature of the operation, not only the value of the damaged asset.

River City Technical Consultants provides loss adjusting services for mining and natural resources claims, focusing on the connection between cause of loss, extent of damage, operational impact and the recoverability of claimed costs under the applicable policy.

Claims Covered

• Mining and extraction site losses.
• Heavy equipment and internal transport equipment damage.
• Processing plants, crushers and screening systems.
• Site infrastructure, roads and utility damage.
• Incidents related to collapses or geological conditions.
• Production interruption or reduced operating capacity.

Cause-of-Loss Analysis

In mining claims, the cause may be linked to a sudden event, operator error, equipment stress, unexpected ground conditions, inadequate maintenance or external factors. We focus on collecting technical evidence from the site, reviewing operating and maintenance records, interviewing relevant parties where required and analyzing the sequence of events to reach a clear and documented conclusion.

Damage and Cost Assessment

Loss evaluation is not limited to the cost of replacing equipment or repairing a damaged part. It also requires assessment of repairability, remaining useful life, spare part availability, transport and installation costs, and the impact on the wider production chain. Emergency works and additional expenses are reviewed to confirm their necessity and direct connection to the insured loss.

Operational Impact

A single incident can stop an entire production stage or reduce the operating capacity of the site. In such cases, we review production data before and after the incident, available alternatives, the reasonable interruption period and mitigation measures taken by the insured.

The objective is to provide insurers, reinsurers and brokers with an independent and practical report that supports balanced decisions in complex mining and natural resources claims.