FREQUENTLY ASKED QUESTIONS
What is a Loss Assessor?
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.
Do I need a loss assessor?
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.
I have contacted my insurance company can you still help?
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.
What will it cost me?
Our service costs you the insured, nothing, provided our sister company, Imperial Maintenance Ltd, and/or its 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).
If I instruct an Insurance Loss Assessor, will I encounter any additional charges or hidden costs?
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, and/or its panel of sub-contractors, are used.
Will you charge me if my claim isn’t paid out?
No, and don’t worry! In the 80 years we have been negotiating insurance claims, we can count the claims that haven’t been paid on one hand.
Why should I choose an Imperial Claims Consultants as my Loss Assessor rather than use my Insurance broker?
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.
I’m a landlord and my managing agent says they’ll manage my claim, why should I call you?
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.
What is the difference between a Loss Assessor and a Loss Adjuster?
In most simple terms, a Loss Adjuster is an insurance professional. Their job is to investigate insurance claims on behalf of the insurer once they reach a certain size.
A Loss Assessor works for you, the insured, and looks after your best interests throughout the claim.
Why should I use Imperial Claims Consultants?
Imperial Claims are industry experts in dealing with commercial, industrial, homeowners and landlords insurance claims and we have, and continue to provide our clients with a truly personal and bespoke service.
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.
Loss assessors are typically professional companies and individuals that will negotiate on the policyholder’s behalf to progress a claim to resolution. It could be said that they offer a claims management service for the policyholder, meaning the policyholder doesn’t have to spend time dealing with the insurer – the loss assessor will typically do this.
A Loss Assessor, like Imperial Claims Consultants, will look at the damage, assess the costs involved and they may then take the lead in all discussions on the claim with the insurers or loss adjusters concerned.
Loss Assessors are employed by the policyholder, they are acting exclusively to protect the policyholders best interests.
Imperial Claims Consultants are a Financial Conduct Authority registered firm.
We are authorised to assist clients with their insurance claims. We work for the policyholder only, never the insurer. Our service will not cost the insured anything provided they use our panel of contractors.
We help clients who have suffered from the insurance covered perils relating to building and/or contents such as:
• Impact Damage
• Business Loss
• Liability Claims
• Professional Indemnity
• Loss Of Licence
So, before you contact the insurers, contact Imperial Claims Consultants for a very personal and bespoke service.
What services do Imperial Claims Consultants provide?
Here at Imperial Claims Consultants we can help you with…
Just the one personal point of contact for all of the following services:
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.
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.
How does an insurance claim work through Imperial Claims Consultants?
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.
Do you work in my area?
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.
Will my insurance company object to me using my own assessor?
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.
Can Imperial Claims Consultants Insurance Loss Assessors help me if I am not insured?
Yes, on some occasions a third party may be negligent or responsible for an incident and a recovery made against them or their insurers.
My claim has been declined, can you still help me?
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.
Any kind of insurance claim can be a daunting experience – especially one that follows a traumatic event such as a fire, flood, explosion, theft or burglary and so forth.
At Imperial Claims Consultants, it’s our job to help you manage your claim and answer any questions you have.
This page has been created to help with some of the questions we get asked most frequently. If you have any additional questions we would love to hear from you.
CHOOSING IMPERIAL CLAIMS
Imperial Claims is registered with the Financial Conduct Authority, meaning we are authorised to assist insured policyholders with their insurance claims. We work only for you, the policyholder, never the insurance company.
Our service costs you nothing, provided our sister company Imperial Maintenance Ltd and/or its panel of sub-contractors are used. And remember, if we carry out your reinstatement work, we pay your insurance excess! (if an external sub-contractor is used, a claims handling fees may be applicable).
Nicky Middleton, Director
Imperial Claims Consultants