Loss adjusters and Loss Assessors

Loss adjusters and loss assessors are easily confused

So What’s the Difference?

Simply put, loss adjusters work for your insurance company and their interests, while loss assessors work for the policyholder and solely for your benefit.

What Does a Loss Adjuster Do?

A loss adjuster is a professional appointed by insurance companies to investigate large or complex insurance claims. They inspect damage, determine the cause of the loss, check if it is covered by the policy, and determine a fair settlement amount.

Key Responsibilities

Investigate Damage: They visit the site, take photos, and investigate the cause of the damage.
Determine Liability: They determine if the claim is valid according to the insurance policy terms.
Estimate Costs: They calculate the cost of repairs, including materials and labour.
Negotiate Settlement: They recommend a final payout value to the insurer.
Manage Specialists: They may engage experts like building surveyors or forensic engineers.

Insurance companies are unsurprisingly reluctant to pay out any more than they absolutely have to. They have shareholders right? The larger the claim the more likely it is for the insurer to appoint a loss adjuster. While paid by the insurer, they are meant to be impartial, though their primary role is to ensure the claim is valid and not inflated.

Loss adjusters are NOT there to help you make your claim. Many policyholders fall into the trap of assuming the loss adjuster, because he or she is a qualified professional, that they will take care of all their interests and guide them through the process.

They are not appointed to advise you on the best way for you to make a claim – they only look at the incident in the context of your policy cover, and the remit they have with your insurer.

They will not help you if you want to dispute a settlement offer – the onus is on you to prove you are entitled to more than the offer recommended to your insurer by the loss adjuster.

So, what Does a Loss Assessor Do?

Loss Assessors are appointed by policyholders to manage a claim on their behalf. They can be called on to help with all manner of loss-related insurance claims. Perhaps your business or property has been damaged by fire, flood, escape of water, storms or subsidence.

A qualified loss assessor will handle every aspect of your claim process. They will help with every stage of your claim, from the paperwork to the more practical aspects. They will meet with insurance company representatives, or their appointed loss adjusters, in order to negotiate the best possible claim settlement for you.

They’re excellent negotiators and experts when it comes to policy terms and conditions.
They know how to properly quantify claims to ensure that you claim for an accurate and realistic amount.
They have a thorough understanding of how the insurance company claims department work.
They strive to obtain interim payments when you need them.

You wouldn't choose to represent yourself in court so why would you do the same when managing a claim.

a loss assessor will fight your corner and expertly negotiate your claim on your behalf, getting you the settlement you are entitled to.

Heres what Admiral say about loss assessors...A Guide to Loss Assessors | Admiral

Why Choose us to manage your claim?

The owner and founder is a chartered quantity surveyor that spent almost 20 years working alongside loss adjusters and insurance professionals. He therefore has a valuable insight into how the process works. Time and time again he would see policyholders left floundering because they were expecting the insurer and the loss adjuster to actively guide them through their claim.

We are here to

Level the playing field - Insurance companies have professional loss adjusters on their side. A loss assessor is your expert counterpart, representing your interests and no one else’s.
Maximise your claim - We make sure you get the best outcome possible, whether that's in the settlement or getting you back in your home the quickest.
Reduce stress and disruption - We manage every stage of the claims process. We will document the damage, coordinate contractors, liaise with your insurer and negotiate the settlement on your behalf.
Get you back on track as quickly as possible - With over 20 year's of experience, we know how to navigate the claims process efficiently and quickly.

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