A loss assessor is appointed by you to manage your property insurance claim from start to finish. When your property’s damaged, we take the whole thing off your hands: assessing and documenting all the damage, preparing and presenting your claim, dealing with your insurer throughout, and negotiating a full and fair settlement on your behalf. We then manage the repairs too, using approved contractors to restore your property to its original condition. It’s a genuinely stressful time, and our job is to lift that weight from you. You focus on getting back to normal, we’ll handle the rest.

It comes down to who they work for. A loss adjuster is appointed and paid by your insurer, so their job is to manage the claim in the insurer’s interests. A loss assessor works only for you. As your loss assessor, Aspray looks after your side of the property damage claim, makes sure the full extent of the damage is accounted for, and negotiates a full and fair settlement on your behalf. Put simply: the adjuster looks after the insurer, and we look after you.

Not always. If your claim is straightforward and your insurer is dealing with it fairly, you may be happy to manage it yourself. But if it feels complicated or contested, or you just don’t have the time to take it on alongside everything else, that’s where we come in. Dealing with a damaged home or business is stressful enough without facing the insurance company alone. We manage the whole claim, from the first assessment through negotiation and repairs, so you don’t have to carry it.

Our service is free to you, the policyholder, when we use our vetted contractors to carry out the approved reinstatement works. You’ll still need to pay your policy excess, as that forms part of your insurance policy. And if you’re a VAT registered company or individual, please note you’re responsible for the VAT on the settlement, though you can reclaim this from HMRC on your next VAT return. We’ll always be clear about this from the very start, so there are no surprises along the way.

It depends on the type of damage, the extent of the work needed, how quickly your insurer responds, and whether any specialist reports are required. A smaller claim can move quite quickly, while more complex fire, flood, storm or escape of water claims can take longer, particularly where drying, surveys or detailed scopes of work are involved. Whatever the situation, we’ll work to get your property back to its original condition as quickly as possible, which is why we only use approved, fully vetted contractors throughout.

Yes. Aspray has local loss assessors right across the UK, from the North West, North East, Yorkshire and the Midlands to London, the South East, South West, East of England, Wales, Scotland and Northern Ireland. Wherever you are, you’ll get the same high standard of service and a dedicated assessor who manages your claim from the first phone call to final sign-off. You focus on your life, we’ll handle the rest. Find your local assessor.