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.

 

Loss adjusters

 

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?

This is where an assessor comes in…

Iain Speedie Loss Assessor

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.

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 900 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.

Have you suffered property damage?
We can manage your insurance claim

For help with property damage caused by escape of water, fire, storm, impact, flood or subsidence, just get in touch:

Successful Claims

See examples of the Aspray service in action, with case studies based on different perils. There may be a case study that is similar to your situation. If you want to find out more about a particular case study, please don’t hesitate to get in touch.