Where exceptional claims service and favourable claims experience is our PRIMARY FOCUS
TCF & Associates is a team of experienced practitioners, who offer an array of services that will help you take the first step towards understanding and managing your insurance / civil claims better.
With our combined years of experience, our team understands the workings and subjectiveness that accompany a traumatic event or loss that is often associated with the ‘claim’ process and the importance of involving experts from the beginning.

Bridging the gap between the ‘well informed’ and ‘uninformed’
It is generally only at ‘claim stage’ that you come to realise what can be the complex nature of the ‘claims process’ if not handled properly from the beginning.
Without the proper understanding or experience – claimants are often left frazzled and frustrated by their claims experience. We offer the experience and resources that will help you to understand the processes, affording you the ability to avoid wasted costs and stress.
More often you don’t know where to start, or whom to trust – this leads to poor experience, even if the correct outcome is the resistance or redirection of the claim.
We have sourced and vetted the experts – so that you don’t have to.
Sourcing such a diverse and reliable team of experienced practitioners does not come easy, TCF & Associates has expended a significant amount of resources on joining forces with experts in other fields so that you can focus on finding a resolution – with peace of mind that you are not wasting your time and valuable resources.
Consistency builds stability and stability forms Trust!
This has proven to be our formula to success in establishing our credibility.
The stable relationships we have formed with our clientele come from years of providing consistent and reliable services.
It takes but just a brief moment with us to quickly realise that our level of service is driven by the passion for the work we do and the genuine desire we each have to want to help others and be part of the solutions that make a difference.


‘He who hesitates is lost’ – we encourage the ‘proactive‘ rather than the ‘reactive’ approach
The claims process need not be more stressful than the trauma/loss or damage that gives rise to the loss or damage that warrants a claim.
Involving the appropriate and experienced practitioners from the start contributes a great deal and prevents a significant amount of stress.
Too often we are asked to assist with complex matters that were simple, to begin with, but just inappropriately handled – which could possibly all have been avoidable had the appropriate and experienced practitioners been involved from the start.
Our Mission Statement
- Offer efficient and responsive claims systems of the highest standard.
- Guarantee professionalism in all services rendered as Investigators and Professional Service Providers.
- Facilitate services compliant with legislative and regulatory requirements.
- To ensure morally fair and just processing, investigating and settlement of all claims.
- Offering services impartial and unbiased towards the circumstances and people involved, without favouritism or discrimination.
Our Vision
- To assist, educate and empower individuals within or associated with our industry.
- Develop and maintain appropriate and cost effective claims systems, processes and procedures.
- Reinstate, restore and sustain clients' confidence in our industry's primary purpose and function.
- Represent and proudly stand as honourable members of a reputable and professional industry.
The Team

Sandra Westwood
Loss Adjuster & Investigator
12 years’ Claims experience

Clive Ngubane
Civil Investigator
30 years’ Claims experience

Chris Adams
Assessor
Over 40 years of claims experience

Jules John
Motor Assessor
Over 25 years’ of claims experience

Sandra Kloppers
Legal Advisor & Trauma Counsellor
Over 30 years of experience

Deon van der Merwe
Lifting Machinery Inspector
Over 30 years of experience in Hydraulics

Andrew Seymour
Civil Engineer & Practising Attorney
Over 16 years of experience

Rodney Trenam
Fire Investigator
Over 30 years of experience

Noel Stevens
Quantity Surveyor
Over 20 years of experience

Lee Trichardt
Claims Clerk & Administration

Thabisile Dlamini Khambula
Virtual Assistant & Administration