What is a Loss Adjuster?
When making a claim on your building’s insurance for damage to your property, a Loss Adjuster may meet with you. A Loss Adjuster is a representative of your insurance company, and their role is to validate your insurance claim.
Once a claim has been logged, a claims Adjuster will most likely visit your property. Their objective is to assess and quantify the damage to your property and confirm that the damage has been caused by an insured event.
Should I be worried if a Loss Adjuster is sent to my property?
There is no need to be concerned if a loss adjuster visits your property. Their primary role is to assess the extent of your insurance company’s liability under the terms of your policy. They will check that you have the correct level of cover in place and that no policy conditions have been breached.
The loss adjuster also validates your claim by ensuring that your insurance policy covers the damage sustained at your property.
What role does an insurance assessor have when making a claim?
Who pays for the Loss Adjuster?
Your insurance company employs and pays loss adjusters to handle claims as part of the process. Loss adjusters work for the insurer, ensuring your claim follows the policy terms and conditions. They assess the insurer’s liability, check your coverage, and confirm no policy conditions have been broken.
Since insurers hire loss adjusters, they represent the insurance company’s interests during the claims process. Their job involves providing fair and accurate recommendations that align with your insurance policy’s scope.
If you doubt the findings or need extra help, consider hiring a loss assessor for your claim. Loss assessors represent policyholders, helping to present and negotiate claims for better outcomes.
Are Insurance Adjusters fair?
Many policyholders have a limited understanding of building structure and insurance terminology, therefore meeting an Insurance Adjuster can seem daunting. Additionally, the fact that a Loss Adjuster is paid for by the insurance company may also worry some people. However, Loss Adjusters who operate in the UK follow codes of conduct set out by The Chartered Institute of Loss Adjusters, The Association of British Insurers, and the General Insurance Standards Council.
These codes of conduct are in place to ensure that Loss Adjusters carry out their role fairly.
Dealing with Loss Adjusters: Tricks, Tips & Negotiation Tactics
Appointing a Loss Assessor
Loss Adjusters represent your insurance company. In a potentially stressful situation, many policyholders would prefer to have their own representative on their insurance claim. A Loss Assessor represents your interests on a claim. They will seek to ensure you completely understand the claim process, and that the Loss Adjusters report features the full extent of the damage at your property.
There is no valid reason why they would deter you from hiring your own representation on your claim. Aspray works with many Loss Adjusters who appreciate the involvement of a fellow professional on a claim.
Get in touch with Aspray
Aspray have been managing buildings insurance claims caused by fire, flood, storm, impact and escape of water since 2005. We are industry renown for our customer service and have helped thousands of policyholders get the settlement they are entitled to in relation to their insurance policy. If you are making a claim and are unsure of the next steps in the process, it could be beneficial to have your own representation.
Aspray’s service also includes the reinstatement of your property back to its pre-loss condition. You don’t even need to think about the hassle of sourcing reliable contractors, Aspray has this covered too.
Our goal as Loss Assessors is to work with your insurers appointed Loss Adjuster to get a fair settlement in place and to reinstate your property. We aim to shoulder as much of the burden that property damage brings, as possible. Allowing you to get back to other priorities in life as best you can.
