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, fairness and just approach of the loss adjuster.
The Insurer's 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 Insurer's loss adjuster reports 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.
Policyholder's Loss Adjuster
Policyholders can also appoint their own Chartered Loss Adjuster to act on their behalf in connection with corporate, commercial and domestic claims.
The Loss Adjuster will visit the Policyholder to discuss the circumstances of the claim and provide support, help and professional advice.
The Loss Adjuster will assist with organising emergency works and if necessary arrange alternative accommodation or in the case of commercial losses temporary premises to enable trading to continue.
The Policyholder’s Loss Adjuster liaises directly with the Insurers’ Loss Adjuster as the claim progresses dealing with all meetings, correspondence and communication Advice is given as regards the appointment of Surveyors, Architects and other Professionals to ensure that reinstatement projects are proceeded as quickly and efficiently as possible.
The Loss Adjuster will advise on the appointment of Building Contractors and generally co-ordinate the different parties involved to progress the claim without delay.
In domestic situations the Loss Adjuster will also deal with preparing a list of damaged Contents items for submission to the Insurer’s Loss Adjuster.
With regard to commercial claims Inventories are prepared for Contents and Stock losses.
Under commercial policies the Loss Adjuster will also deal with the Business Interruption claim and all aspects relating to interruption to trading.
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The Policyholder’s Loss Adjuster deals with interim payments and liaises closely with different parties to progress the claim to settlement.
