Anyone who has made an insurance claim will tell you there is no job more tedious and stressful as well as being incredibly complicated and overwhelming.
Luckily, there is a simple solution for this problem that can lift this burden – appointing a loss assessor.
What is a Loss Assessor?
Simply put, a loss assessor is someone you appoint to handle your insurance claim for you. Your loss assessor will be focused on ensuring you receive every penny you are entitled to receive, make sure all your paperwork is in order and someone who truly understands the fine print contained within your policy documentation.
Difference between Loss Assessor and Loss Adjuster
Thinking that a Loss Assessor is the same as Loss Adjuster is a common misunderstanding.
A Loss Adjuster is someone who works for the insurance company. They represent their company’s interest and their goal is to make you agree to the lowest compensation possible. The less money you accept the more their insurance company earns. Bottom line, a loss adjuster is not someone you should consider as being independent and impartial when it comes to your insurance claim.
A Loss Assessor, on the other hand, works solely on your behalf, as the insured. They are the ones fighting your corner and negotiating with a loss adjuster so you can get fair and reasonable compensation and not settle for less. The knowledge they have about the insurance industry and policies can impact your pay-out amount and overall success of your claim.
What does a Loss Assessor Do?
From the moment you hire a loss assessor, anything related to your claim becomes their responsibility. From investigation to gathering and preparing paperwork and negotiating with adjusters and anything else required by your claim procedure.
Some of the things a loss assessor will handle for you are:
- Investigate and examine the damages and losses and compile evidence and documentation for your claim
- Investigate past claims that have been declined or delayed by your insurance company
- Talk to and negotiate with loss adjuster on your behalf in order to obtain fair settlement amount for your claim
- If required, arrange the supply of all your possessions that were lost or damaged
- If required, appoint any contractors or re-building experts
Benefits of a Loss Assessor
Hiring a loss assessor can help you minimize the stress you may experience from a complicated claim process. Throughout the claim process, they are the only ones you need to contact regarding your claim without any need to get in touch with insurance company representatives. Additionally, your loss assessor will be available to you at all times to answer any questions you might have about your claim. Creating a stress-free environment for yourselves, all the while knowing your best interests are protected is the greatest benefit of hiring a loss adjuster.
Types of claims that a Loss Assessor can assist you with
Whether commercial or residential we assist clients with claims arising from:
- Cannabis Farm
- Impact Damage
- Weather related
- Business Interruption
- Loss of licence
To name just a few.
Loss assessors such as Imperial Claims Consultants assist insurance policyholders with any residential or commercial property and business insurance claim.
If you are an insured homeowner or a landlord, and you need to make an insurance claim following a fire, flood or any other large-scale loss or damage to your property, then contact us now – it’s very likely we can help you.
We only work for the insured, and never for the insurers. We are a Financial Conduct Authority (FCA) regulated firm.
Have a look at what our other clients have to say about us: Read our google reviews here