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What is the difference between a Loss Adjuster and a Loss Assessor?

If it’s the first time you have to make an insurance claim, there’s so much to take on board. Part of this is working out who does what in the claims process. One of the most difficult things to understand is the difference between loss adjusters and loss assessors.

What’s the difference between a loss adjuster and a loss assessor?

Loss adjusters and loss assessors are both insurance claims professionals. There is one key difference in their role during the loss adjusting process:

  • Loss adjusters work for the insurance company. They are employed and paid by the insurance company to represent their interests.
  • Loss assessors work for YOU, the policyholder.They are independent professionals who are employed by you to protect your interests.

A loss adjuster’s job is to do the adjusting of a claim – and this is almost inevitably downwards. They are paid by the insurer to decide what will be paid for – and what will not.

An independent loss assessor such as Morgan Clark will take on all this responsibility for you. We will deal with the insurer’s loss adjuster on your behalf, and will protect your interests every step of the way, so you receive the very best settlement under the terms of your insurance policy.

It’s important to engage an independent loss assessor as early as possible in the claims process, but Morgan Clark’s experienced team of claims managers can step in at any point to handle all aspects of your claim including:

For residential insurance claims:

  • Full claims management by a dedicated professional who will always be your point of contact.
  • Organising emergency repairs and securing your property.
  • Helping to find alternative accommodation for you and your family.
  • Bringing in experts to assess the damage to your property and to ensure it is re-instated to the highest standards.
  • Compiling your contents and buildings claims.
  • Negotiating the type of settlement you want.

For commercial insurance claims:

  • Full claims management by a dedicated professional who will always be your point of contact.
  • Organising emergency repairs and securing your property.
  • Finding alternative office, factory or warehouse premises.
  • Negotiating interim payments to cover emergency funding, replacement plant and equipment, and re-stocking.
  • Calculating the full losses for your business interruption claim, including loss of profit and increased cost of working.
  • Compiling your contents and buildings claims.

Remember: loss adjusters are employed by the insurer to protect their interests, not yours.

Do you need help with your claim?

Call free on 01978228646
for a free consultation.

Call 03334142749 from mobiles. Lines open 24/7.

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“Morgan Clark came in, took it over, and told us what we could and couldn’t do. That is exactly what you need when you face something like this.”

Mr Booth, Lancashire

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