Insurance Assessor: Can they help when making a claim?
When making a claim on your building’s insurance, you may feel overwhelmed at the amount of professionals and their job roles during the claims process, and you may be wondering which department is looking after your best interests. With lots to take on board, most confusion comes from the difference between an insurance assessor, also known as a loss assessor, and an insurance adjuster or loss adjuster. Both are professionals, however there is a major difference between the two.
Insurance Assessor or Insurance Adjuster?
Both insurance assessors and insurance adjusters provide a similar role within an insurance claim – the key difference is who they work for. Whilst insurance adjusters are appointed by your insurance company, you, the policyholder, are entitled to appoint a representative of your own, also known as an insurance assessor.
What is a Loss Adjuster?
Loss Adjusters work on behalf of your insurance company. This professional will often meet you at your property and review the damage. They will then report back to your insurer and, providing your cover is sufficient, a settlement figure will be reached.
Sound simple? Afterall, this is what we pay insurance for.
However, there are various elements that must be accounted for when calculating your settlement figure such as your sums insured and extent of the damage at your property. While bust pipes, fires and storms are common, their effects on different property sizes and construction materials varies immensely. If surveying and construction isn’t your forte, how will you know if you are getting the settlement you are entitled to based on the full extent of the damage?
Dealing with Loss Adjusters: Tricks, Tips & Negotiation Tactics – Aspray Property Claims
This is where an assessor comes in…
Insurance assessors provide you with a second opinion
For all the nuances involved in property damage insurance claims, you may need a second opinion. This would come in the form of an insurance assessor, like Aspray. Insurance assessors work on behalf of you, the policyholder, to represent your best interests when making a claim.
An Aspray loss assessor, for example, will make sure that everything has been accounted for in relation to the cover on your policy. On large escape of water claims, water can spread to other areas of the building that could cause trouble at a later date, if left undetected. In this situation, an Aspray loss assessor would make sure this is factored into the damage and repair report.
Property damage insurance claims can quickly become complicated. When faced with a stressful and potentially long-winded process in front of you, many people hire a loss assessor to help them navigate the process.
3 Main Benefits of Having an Expert on your Side
1. Professional Guidance: instructing an insurance assessor means having a qualified person on your side who knows the ins and outs of the insurance industry. The world of insurance brings its own jargon and going up against this alone can be difficult.
2. No Need to Gain Contractor Quotes: when you first call your insurer to notify them of a claim, they may ask you to gain numerous quotes from contractors. A tough challenge, especially for those with other commitments. Working with an insurance assessor like Aspray removes that hassle, as we use our vetted contractors to complete the reinstatement works.
3. One Point of Contact: for some claims, there may be multiple people involved – your insurer; a loss adjuster; various contractors; damage specialists… the list can go on. When you instruct an insurance assessor they take care of all these people and become your one point of contact. No more keeping track of the many people dealing with your claim, your assessor will keep you informed along the way but if you ever have a question you know the one person to call.
Aspray loss assessors: reinstating your property too!
At some point, the question of how your property is going to be put back together again is raised. Homeowners and business owners lead busy lives, and either don’t have the time or the contacts to find reliable tradespeople. Having strangers in your home completing repair work can also be uncomfortable.
Fortunately, the full Aspray service includes the reinstatement of your property provided we can instruct our own vetted contractors. We have access to a large network of contractor firms across the country and can save you time and effort sourcing these professionals.
A call to Aspray will not only provide you with assistance on your insurance claim, but also the full process in getting your property back to its pre-loss condition.
Insurance assessors: A more personal service
At Aspray, we understand the difficulties that can arise as a result of making an insurance claim. Out of thousands of insurance claims we have dealt with over the years, there is rarely a circumstance we have not come across before.
Aspray loss assessors are well known for their customer service. You may have to change living arrangements, suspend business activity, store personal items or be grieving the loss of a loved one as a result of a fire.
With our experience, company ethos and as part of being authorised and regulated by the Financial Conduct Authority, we have a duty of care in such distressing circumstances. Aspray has a TRUSTist review score of 4.9/5 with over 1400 reviews from policyholders. In the insurance industry, we have been recognised for our commitment to policyholders by winning the ‘Outstanding Services to the Policyholder’ award on more than one occasion. As well as the prestigious ‘Loss Assessor of the Year’ award for 2 consecutive years.
