Loss Assessor in Lancashire
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Full claim management -
Approved local contractors
How Aspray works for you when disaster strikes
Unlike insurers’ loss adjusters who represent the insurance company’s interests, Aspray works exclusively on your behalf. We prepare your claim, present the scope of damage, negotiate with loss adjusters, and instruct fully vetted local contractors to restore your property.
- Independent representation in negotiations
- FCA-compliant, transparent claims management
- Vetted local tradespeople project-managed to final sign-off
Meet your local assessor
Aspray operates on a national scale with highly localised expertise. Once the Lancashire territory franchise director is announced, this section will host their professional biography, credentials, and local office details. They will be your dedicated point of contact, coordinating inspections, claims, and local tradespeople across Preston, Blackburn, Burnley, and surrounding areas.
Find your local office
Example Claims Managed Locally
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Preston PR1
Severe Storm Damage Claims
High winds caused structural damage to a residential chimney stack. Aspray organised urgent scaffolding, surveyed safety risks, negotiated the structural remediation budget, and managed a complete roof rebuild.
£18,200 Settled -
Blackburn BB2
Water Leak & Drying Claims
A burst pipe in the first-floor bathroom flooded the kitchen below. Our assessors managed drying protocols, negotiated the strip-out of ruined plasterboard, and oversaw the complete reinstatement of fittings.
£32,400 Settled -
Burnley BB10
Kitchen Fire Claims
A localised cooker fire caused extensive soot and smoke contamination. Our loss assessors coordinated deep soot neutralisation, negotiated replacement of charred fixtures, and supervised cosmetic finishes.
£47,800 Settled
Frequently Asked Questions
How much does Aspray's service cost?
Our claims management service is free to you provided we can instruct and oversee our vetted contractors to complete the reinstatement works. In other scenarios, or if you prefer a cash settlement, a fee structure is agreed with you beforehand.
You will still need to pay your policy excess, as this is part of your insurance policy. If you are a VAT registered company or individual, you are responsible for paying the VAT on the settlement, though you can claim this back from HMRC on your next VAT return.
What if I want to use my own builders?
You are free to use your own contractors. In that case our service is not free of charge, and we will agree a fee structure with you in writing before any work begins.
Where we instruct our own vetted contractors, we project-manage the works through to final sign-off and the service is free to you.
How does a Loss Assessor differ from a Loss Adjuster?
A loss adjuster is appointed and paid by your insurer, and represents the insurance company’s interests. A loss assessor is appointed by you, the policyholder, and works exclusively on your behalf.
Aspray acts as your loss assessor: we prepare the claim, present the scope of damage, and negotiate with the insurer’s loss adjuster for you.
Do you cover both commercial and residential property?
Yes. Aspray handles property damage insurance claims for homeowners, landlords, tenants, and commercial property owners across Lancashire, including offices, retail units, and industrial premises.
Are you regulated by the Financial Conduct Authority?
Yes. Aspray Limited is authorised and regulated by the Financial Conduct Authority for claims management activities. You can check our registration on the FCA’s Financial Services Register.
Still have questions about a claim?
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