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Loss Assessors are truly independent Insurance Claim managers who will take the stress away in a claim by handling it for you. Loss Assessors work exclusively for you, the policyholder, and not the insurer. Using our expertise, knowledge, and skills, Loss Assessors will claim for everything you are entitled to under your policy. Ideally, you would engage a Loss Assessor as early as possible to ensure the entire claim pathway proceeds in the correct way and your claim is not prejudiced negatively.
Loss Assessors and their supporting teams will take away all the stress involved in making an Insurance Claim. Furthermore, they will conduct all meetings, negotiations and handle communications with the Insurance Company on your behalf. Loss Assessors are able to effectively use an approach that Insurers understand. They can handle all aspects of the Insurance Claim including Residential and Commercial claims. Both are handled very differently and need to be approached in a different manner.
Loss Assessors will often hire external professional assistance if a claim becomes complicated. Noteworthy forensic teams can often be called for to assist in protecting your position in parallel to Insurers' own specialists doing the same for them.
Examples of how Loss Assessors will assist are:
Although Loss Assessors and Loss Adjusters are both Insurance Claim Professionals and sound quite similar, they sit on opposite sides of the fence.
So what is the difference?
Loss Assessors exclusively represent you and are the policyholder's specialists to get everything you are entitled to. They are your Professionals in the claim process.
Loss Adjusters are the opposite party in the claim process. They are there to protect insurers' financial liability for the claim, seeking ways to ‘adjust’ to pay out the minimum settlement or even refuse the claim entirely which is called a repudiation.
After you have notified your Insurance Company of the incident. Insurance Companies will send in their own representatives - a Loss Adjuster. It might seem like they are there to help but they are not truly independent. They are engaged and paid for by your Insurance Company to protect the Insurer's interests, not yours.
Their only role is to limit the Insurance company's exposure to cost and investigate the cause of the incident. Additionally, they may interview you and look to find any possible non-compliance with the policy contract which might be used to deny the claim. In these scenarios, If you say the wrong thing you risk jeopardising your claim. As a result, your Insurer can repudiate the claim and you could receive nothing.
The Loss Adjuster will look for any vulnerabilities or inconsistencies in the claim circumstances that will allow them to refuse a claim on technical grounds.
If you have been declined while trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.
Deal with your insurance company and their loss adjuster, investigator, surveyor etc.
Organise drying out or decontamination specialists to clean your home.
Arrange estimates and valuations, and accurately quantify the full extent of your claim.
Arrange Alternative Accommodation.
Compiling a list of stock, machinery and plant damage
Calculating Business Interruption & financial loss
Organising interim and emergency payments
Quantifying and presenting the buildings damage reinstatement
