What we do

For most smaller and straightforward claims involving domestic or commercial property, insurance companies are able to make a payment immediately. However insurance companies may send a claims inspector to check upon the circumstances and for larger or more complicated claims, they employ the skills of a loss adjuster.

Loss adjusters are experts in many fields. In addition to a thorough knowledge of insurance and of the area in which they work, they can advise both the insurance company and the policyholder on repair and replacement techniques. After discussions with the policyholder, the loss adjuster's report to the insurance company enables the company to process the claim without delay. Each loss adjuster may work for many insurance companies. These companies know they can rely on the skill and impartiality of the loss adjuster.

The loss adjuster will visit the policyholder, within days after submission of the claim form, to discuss the circumstances of the claim. The loss adjuster will check:

• That the loss or damage falls within the terms of the insurance policy
• That the sums insured on the policy are adequate
• That the amounts being claimed are fair and reasonable
• That all valid items of claim have been included and nothing omitted

Loss adjusters are able to advise how home security or safety could be improved to avoid a further incident.

Loss adjusters can often point to aspects of the claim which the policyholder may have overlooked. They can advise on repair techniques, such as the matching of a damaged carpet or bathroom suite. They will know of specialist firms in the area who can undertake work in connection with the claim.

The loss adjuster reports his findings and recommendations to the insurance company. The company is then in possession of full facts on the matter and is able to make a decision.