Insurance claims information and advice

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

Loss Adjusters and Loss Assessors are both insurance claim professionals, however, there is one key difference in their roles during the insurance claim process…

Find out more

Loss Assessors: The law

Loss Assessors work on behalf of policyholders when they need to make an insurance claim. 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.

Find out more

Loss Adjusters: Your questions answered

Anyone who has been involved in a major insurance claim, will have likely come into contact with a Loss Adjuster. This guide will provide answers to the frequently asked questions relating to the role of the Loss Adjuster in the insurance claim process.

Find out more

Insurance Claim Process

At the beginning of a claim many people find it helpful to know what to be prepared for in the coming weeks and months. We have created an outline of the insurance claim process for homeowners, landlords and business owners so you can see what your claim is likely to involve.

Find out more

Free Insurance Claim Guides

Whether you have suffered a fire, flood or burst pipe to your residential or business property, you can read one of our in-depth guides explaining the steps you need to take and what to consider at each stage of your insurance claim.

Find out more

Popular Questions

What will my insurance company think if I appoint a Loss Assessor?

There is no reason why your insurance company or Loss Adjuster should discourage you from appointing your own Loss Assessor. If your Loss Adjuster is trying to dissuade you from using our services, you should question why they are against the idea of you being equally represented. After all, a Loss Assessor can only help a policyholder claim for what is legally within their insurance contract. Click here to read more about Loss Adjusters.

Doesn’t my insurance company manage my claim?

While many insurance companies will support you in the initial weeks of your claim, their only responsibility is to ensure costs are covered to restore your property and replace damaged contents, stock, machinery etc. (if applicable). As your claim progresses, you will be left with the most stressful and time consuming day-to-day elements to organise and oversee alone if you do not appoint a Loss Assessor.

What’s the difference between a Loss Assessor and a Loss Adjuster?

Loss Assessors and Loss Adjusters are both insurance claim professionals, but there is one key difference in their role during the insurance claim process; a Loss Assessor is appointed by and works exclusively for the policyholder, while a Loss Adjuster is appointed and paid by the insurance company. Loss Adjusters are expected to remain independent. Read more about the difference between Loss Assessors and Loss Adjusters here.

How much will this cost?

In the majority of cases we are able to represent our clients without charging a fee at all. Read how we are able to offer our services free of charge by clicking here.