FAQ's


We help them clients who have suffered from the insurance covered perils relating to building and/or

We help clients who have suffered from the insurance covered perils relating to building and/or contents such as:


We help clients who have suffered from the insurance covered perils relating to building and/or contents such as:

So, before you contact the insurers, contact Imperial Claims Consultants for a very personal and bespoke service.


Here at Imperial Claims Consultants we can help you with:

Just the one personal point of contact for all of the following services:

Claims Handling

For new claims; for current claims and for any rejected claims within the last 6 years we can help. With over 80 years combined in-house claims handling experience there isn’t any type of disaster that we haven’t already managed. From small claims to the largest of claims, we can truly assist. Whether commercial, industrial or property homeowners we can and continue to assist our clients with a service which costs you, the policyholder, nothing provided our panel of contractors are used. We do also provide a claims handling only service where we do charge a fee which is typically a small percentage of the settlement and we are happy to discuss such claims on an individual basis.

Disaster Management Works

Whether you have used our claims handling service or not, we can supply a Disaster Recovery and Specialist Cleaning Services and specialist content storage services to a wide range of commercial and industrial organisations, as well as to property and home owners, and we can do this within hours.

Fire, Flood, Escape of Water and Accidental Damage Restoration is supplied to many policyholder's, and all at NO COST to the insured as all costs are reclaimed from insurers. We also specialise in providing a full specialist bespoke service to a wide range of commercial and industrial organisations.Our services are delivered 24 hours a day and we provide a local service efficiently, reliably and cost effectively.

Drying Works

Leading on from our Disaster Management Works we provide clients with trained Technicians who specialise in drying out properties both for homeowners, commercial and industrial clients. As with everything we do, our service costs the insured nothing as we reclaim our costs from your insurer.

Building Reinstatement Works

Whether you have used our claims handling service or not, we can supply a quality Reinstatement Works service ranging from small works right the way through to multi million pound projects. Where required, a Surveyor and Project Manager can also assist. Countless clients have benefitted from our services over the years, we will be more than delighted to personally discuss your individual needs, and all at NO COST to the insured as all costs are reclaimed from insurers.


Yes we can help you at any stage before you agree settlement, but it is truly in your best interest to contact us ideally before you contact your insurance company to submit your claim.


Our service costs you the insured, nothing, provided our sister company, Imperial Maintenance Ltd, a Which? Trusted Trader, and/or it′s panel of sub-contractors are used.

If we do carry out the reinstatement work for you we will pay your insurance excess for you.

(if an external company is used, a claims handling fee is applicable)


Imperial Claims Consultants are Loss Assessors and we work only for you, the insured, and never for the insurers. We are often asked is what is the difference between a Loss Adjuster and a Loss Assessor? We aim to help clarify that question here.

The role of Loss Assessors and Loss Adjusters are easily confused, and it’s important to know the difference between them.

Loss Adjusters are employed by the insurance company to deal with an insurance claim on their behalf. The Loss Adjusters role is to act for the insurance company.

The independent Loss Assessor on the other hand, is also a claims expert, but if he or she is there to act exclusively for you the client, the person making the claim. Their role is to ensure that you are properly and professionally represented when making your claim. Loss Assessors help ensure that policyholders receive the best and most equitable settlement.

By law, a Loss Assessor must be ‘Authorised’ by the Financial Conduct Authority (FCA). This means they have met the stringent standards required to manage an insurance claim on behalf of a policyholder. Our FCA registration number is 573197.


You (the policyholder) do. You hire an Insurance Loss Assessor if you need someone to represent your best interests and to successfully settle an insurance claim. Imperial Claims Consultants are available 24/7, you’ll be amazed to receive a person based in the United Kingdom and not an answer machine or a call centre based abroad, regardless of when you call us!!


In our experience: yes.

During your claim, only you and your loss assessor will have your best interests at heart and your loss assessor will invariably secure a better outcome for you than if you were to manage your claim by yourself.

The more complex or costly your claim is, the more important it is that you engage a loss assessor to represent you. While this might be your first or one of a very few insurance claims you’ve made, your insurance company and their loss adjusters are practiced at dealing with claims effectively and to their own company’s advantage. It is easy to make mistakes when making an insurance claim if you don’t know all the rules.

At Imperial Claims Consultants, we work as your professional representative to apply the rules to ensure that all of your costs are fully compensated, keeping your needs in mind rather than the insurance company’s. Our loss assessors are experts in domestic fire insurance claims, flood insurance claims and theft insurance claims as well as business claims for landlords and commercial losses.


No. They employ loss adjusters to look after their own interests and it is perfectly acceptable to them if you choose to employ someone to act on your behalf. Hiring a loss assessor will never prejudice your claim or negatively impact how your insurer treats you.

However, your insurer will likely advise that they will not cover an assessor’s costs – this is standard and ensures that the assessor is completely focused on getting the best outcomes for you, the claimant. Your insurer may also specify that any loss assessor you engage is regulated by the Financial Conduct Authority. Even if your insurer does not suggest it, we believe this is critical requirement of any loss assessor and are proud that Imperial Claims Consultants are fully approved by the Financial Conduct Authority.


Absolutely. Imperial Claims Consultants have been dealing with insurance claims for over 80 years. We promise to do use our best endeavours to negotiate and reach a settlement to your complete satisfaction.

Successful insurance claims are based on process. Following the right process increases your chance of making a successful claim dramatically – and the process starts as soon as you talk to your insurance company. A typical claims process would be:

  1. In cases involving criminal activity (such as theft or malicious damage), you should call the police to report the incident and obtain a Crime Reference Number.
  2. Call Imperial Claims Consultants and instruct us to act on your behalf.
  3. We visit the scene of the loss with you and/or your agent.
  4. We go through your insurance policy thoroughly.
  5. We help you to prepare a schedule of the loss.
  6. We liaise with you to obtain estimates to repair or replace and reinstate the loss.
  7. We hold meetings with your insurance company’s loss adjuster and negotiate on your behalf.
  8. You get your settlement from your insurance company and if this is the case we would charge a percentage of the settlement, which we would have agreed at the start.
  9. If our sister company, Imperial Maintenance and/or its sub-contractors are used for managing the entire reinstatement works process, then you truly will not have a single penny to pay at all as our fee would be paid by our sister company<./li>

We use our knowledge of the insurance system to try to help speed up the process, in the hope you will receive your payout much faster. In addition, we can help chase up emergency payments and access to any other entitlements you have under your policy, such as loss of rent, alternative accommodation or business interruption etc.


Should you have had a claim refused within the last six years we can review the case and provide an appeals service. This is something that we specialise in, so please do contact us at Imperial Claims Consultants without any delays.


Should you have had a claim refused within the last six years we can review the case and provide an appeals service. This is something that we specialise in, so please do contact us at Imperial Claims Consultants without any delays.


Not if our sister company, Imperial Maintenance Ltd, a Which? Trusted Trader, and/or it′s panel of sub-contractors are used.


We provide a national service, so we can work on your behalf regardless of where you are in the United Kingdom for any commercial, industrial, homeowners or landlords’ property insurance claim.


Flood insurance claims cost insurers billions of pounds, and this puts pressure on premiums. In some instance, insurers would rather not insure the most at-risk properties at all, but that would leave some homeowners stranded, in more ways than one, especially as it is virtually impossible to obtain or maintain a mortgage without having buildings cover in place. With this in mind, insurers and the government have for some years worked to devise schemes that ensure at-risk homeowners can at least get cover for their homes, preferably at affordable premium levels. The most recent scheme is called "Flood Re".


The insurance industry has recently reached an agreement with the government to cap flood insurance premiums, which should bring down the cost of cover for high risk homes. Under the terms of the deal, the flooding element of household insurance premiums will be capped at £210 a year for homes in council tax bands A and B, rising to £540 a year for homes in band G. Homes in band H and properties built after 2009 will not be covered by the cap. Flood Re will be funded by a charge on all insurers of a total of £180 million, which equates to a levy of £10.50 on everyone's annual household premiums. However, the Association of British Insurers claims that consumers will not notice any difference as the levy represents the estimated level of cross-subsidy that already exists between lower and higher flood risk premiums.


Some insurance brokers have their own claims departments, but they will not dedicate the same time and effort as an Insurance Loss Assessor. All we do here at Imperial Claims Consultants is to work with you the policyholder to manage your insurance claim and we genuinely offer you a very professional, personal and truly bespoke service. We only work with you the insured, never the insurers.


Not necessarily. Depending on your insurance cover, tackling the clean-up yourself could save your insurers money while slowing down your business’ recovery.

After a disaster, you may think it would be best to pull in your entire workforce to help with the damage limitation or tidying up. However, this locks up your staff who would be better employed in updating customers or suppliers and trying to keep the business running.

While a damage-limitation company would cost you money upfront, you will gain an expert team that knows how to limit the physical damage while your team can stick to the work you know best. Moreover, it is often better to incur these costs if they are covered by your insurance — you are unlikely to recover lost income from putting your staff on clean-up duty.

If you’ve experienced a loss and aren’t sure how to go forward, call us now and let us help you get the most from your insurance policy so you can get back to business.

Don’t forget, If our sister company, Imperial Maintenance and/or its sub-contractors are used for managing the entire reinstatement works process, then you truly will not have a single penny to pay at all as our fee would be paid by our sister company.


There are a number of reasons why a loss assessor is best suited to manage your claim.

During an insurance investigation, it is important that anyone representing your interests is authorised by the Financial Conduct Authority. This ensures the standards by which they have to serve you. Your managing agent may not be authorised, but our loss assessors are.

Your managing agent can provide valuable information and local, trusted contacts for repairs your property may need. However, it is highly unlikely that they will have the expertise and experience in claims investigation and negotiation that we have.

Don’t forget, If our sister company, Imperial Maintenance and/or its sub-contractors are used for managing the entire reinstatement works process, then you truly will not have a single penny to pay at all as our fee would be paid by our sister company.


We appreciate that your property is crucial for your income and that damage caused by previous tenants can limit your earnings. Sadly, many insurance policies will have exclusions around such damage, pinning the responsibility on the landlord for the selection of the tenants.

It could well be that you do indeed have malicious damage cover and we can review your insurance documentation for you and advise accordingly.

Contact our loss assessors for a free consultation and we will look at the specific terms of your contract to see how we can help.

Don’t forget, If our sister company, Imperial Maintenance and/or its sub-contractors are used for managing the entire reinstatement works process, then you truly will not have a single penny to pay at all as our fee would be paid by our sister company.


It is sensible to hire an Insurance Loss Assessor for any claim, generally any claim that is likely to come over £5,000.


No. Absolutely not. Indeed our entire service (that’s 100% of our service at Imperial Claims Consultant) will not cost you a single penny provided our sister company, Imperial Maintenance Ltd, a Which? Trusted Trader, and/or it′s panel of sub-contractors are used.


This can vary depending on the nature, size and complexity of the claim.


Yes, if required and their associated fees are generally paid for by the policy.



Yes, on some occasions a third party may be negligent or responsible for an incident and a recovery made against them or their insurers.


Home insurance is made up of two types of policy, buildings and contents cover, which can be bought individually or combined.

Although neither type of policy is a legal requirement, it's important to protect your property and belongings so that - in the event of them becoming damaged, stolen or destroyed - you aren't left out of pocket. Typically buildings insurance covers damage caused by flood, fire, subsidence, theft, storms or malicious damage.

Buildings insurance protects the structure of your home and its permanent fixtures and fittings, such as fitted kitchens and sanitary ware. You need this type of insurance to be able to get a mortgage, and even if you own the property outright you're likely to want to ensure you have adequate financial protection for your valuable asset.

A stand-alone buildings insurance policy will not cover the contents, your personal belongings, within your home.

A good policy should include things like the ceiling, floors, walls, the roof, windows and doors, plus outdoor constructions such as fences and garages.It should also cover things like fitted bathroom suites and kitchen units, plus drains, pipes, tanks and cables that you're responsible for from the mains supply to your property.


Contents insurance protects any valuable possessions that you keep within your property - this could be roughly defined as anything that you would take with you if you moved house. This could include items such as:

  • - Furniture
  • - Household goods
  • - Kitchen equipment
  • - Television and electrical items
  • - Personal items and valuables

Contents policies will usually provide cover against theft, fire, vandalism, accidental damage, water leaks or explosions.

Some may even cover the cost of replacing locks if your keys are stolen, but always check whether there's an excess as it may be more expensive than replacing the key yourself.

When arranging contents cover you'll be asked to estimate the value of your contents. It’s better to overestimate than under estimate the value of your items.


Additional protection for Buildings and Contents Insurance Policies.

Most insurance policies could have extra areas of protection, including:

  • - Accidental Damage Cover
  • - Home Emergency Cover
  • - Legal Expenses Cover

These may be offered as standard or you could opt to pay extra to have them included on your policy.


This depends on your situation, for example whether you rent or own the property, and also what you require from your home insurance. But if you require both buildings and contents insurance then buying a joint policy is likely to be the most cost-effective and convenient option.


The rebuild value of your home differs from its market value. When you complete a quote on our site you'll have the option of accepting an estimated rebuild value or entering your own figure, which can be arrived at with the help of a calculator from the Building Cost Information Service website.


Being under-insured can have a huge effect on your claim. It essentially allows the insurance company to reduce the settlement figure severely; they could even reject your claim for gross under-insurance. The issue is that under-insurance isn’t as clear cut as some insurance companies will try to make you think.

In the case of a burglary, a common tactic is for the loss adjuster to try to overstate the value of items that haven’t been stolen. This is all to make it look like you are not adequately insured (when actually you are).

Our role as loss assessors is to build up a conclusive list of items to present to the loss adjuster. If you are worried about under-insurance then it is of the utmost importance to speak to us as soon as possible.

Imperial Claims Consultants have been dealing with under-insurance claims for over 80 years and we know every trick that your insurance company will try. We guarantee to get you every single penny you are owed.


No, we can help you at any stage of your claim, although it would be easier for you if we are instructed to manage your claim right from the outset. Once you have logged your claim with your insurer, you don’t need to do anything else other than just contact us and you’ll be able to leave it all to us!


No, most insurers don’t request several quotes after receiving ours. This is because our quotes are very detailed with precise measurements and include high quality pictures of the damage. If however, your insurer requests additional quotes, we can arrange this for you.


We like to work with firms that specialise in building insurance claims and we’ll be delighted to suggest one of these independent experts to work in your interests where appropriate. In our experience, a surveyor appointed by a Loss Adjuster maintains the same bias in the interest of saving insurers money. Professional fees, when required, are covered within the terms of your policy and we will happily work with you throughout the entire process.

Don’t forget, If our sister company, Imperial Maintenance and/or its sub-contractors are used for managing the entire reinstatement works process, then you truly will not have a single penny to pay at all as our fee would be paid by our sister company.


We have many clients that for one reason or another did not have insurance. This in itself can be a problem, however, if it can be demonstrated that the third party causing the damage has been negligent, then we can pursue a claim on your behalf.


We will always be open and honest on the chances of assisting with a declined claim. Claims are declined for a number of reasons and we are seeing a rise in the number of incorrect decisions. We are willing to carry out a free review and if appropriate we will take your claim forward either for an appeal to the insurers or to the Financial Ombudsman Service. We are extensively experienced and knowledgeable in drafting complaints/appeals and therefore you’ll be in safe hands with Imperial Claims Consultants.


If you have already been made an offer that you think is low, then contact Imperial Claims Consultants and we are happy to review your claim and look into your concerns. We would only charge a fee on any uplift in the value of the settlement.

 

Imperial Claims Consultants Ltd is an appointed representative of John Zelig Fogel (FCA firm registration number 314000) which is authorised and regulated by the Financial Conduct Authority. The FCA firm registration number of Imperial Claims Consultants Ltd is 573197.