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Loss Adjusters & Loss Assessors – What’s the difference?

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.

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

  • Loss Adjusters are employed by the insurance company but they are supposed to remain independent.
  • 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 adjust the claim presented to them by the policyholder or their Loss Assessor. The Loss Adjuster is 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 over the responsibility to compile and present your insurance claim. 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.

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Make sure you are equally represented

It is important to engage an independent Loss Assessor as early as possible in the claims process. Morgan Clark regularly represent home owners, landlords and business owners. To follow is a basic outline of the services we provide…

For residential and landlord policyholders:

• Full claims management by a dedicated professional who will always be your single point of contact.
• Organising emergency repairs and securing your property.
• Helping to find alternative accommodation for you and your family or tenant, if necessary.
• 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 policyholders:

• Full claims management by a dedicated professional who will always be your single point of contact.
• Organising emergency repairs and securing your property.
• Securing liability acceptance with your insurer as quickly as possible to avoid delays.
• Finding alternative office, factory, warehouse or appropriate 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.

…the insurance company’s response when I contacted them was woefully inadequate. The contrast when Morgan Clark got involved was immense. I was assisted all the way and Pino especially used his knowledge of landlords requirements to tailor the works to my benefit.

Mr Buck | 6th May 2021

We will help you get back into your property as quickly as possible, working to secure the best settlement under the terms of your policy

Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)

Find out what this protection means for you here.

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What our customers are saying about us

End-to-end management

“What an absolutely fabulous company, they took all the stress and hard work from us and sorted everything, what started as an horrific time for us having a major fire, was made so …”

Joanne McVicar

Dependable support

“Morgan Clark helped me immensely after a fire at my house, i was introduced to Martin Chapman at the start and he help me through a very difficult time in my life till everything w…”

Eddie Masterson

Dependable support
Impact Claim – Haydock Medical Centre, Haydock

“I was really delighted with the service and with the outcome. I would highly recommend your company to anyone facing a significant insurance claim”

Martin Breach

Dependable support

“When I got the news that a house I was letting had a serious fire that made it uninhabitable I was full of dread about how I would cope with whatever was to come, before I had it b…”

Catherine Fryett

Dependable support
Fire Claim – Hertfordshire

“As a property owner located in the USA, I could not imagine handling this claim without the expertise of Morgan Clark. They just made it so easy and low stress.”

Andrew Dougill

Weight lifted
Fire Claim – Leicestershire

“No issues at all with Rob and Paul from Morgan Clark… they took a lot of stress away from myself/partner.”

S. Ramsay

Dependable support

“Superb company to deal with. Highly recommended. Kept me informed throughout the duration of the claim and a special mention to Pino and Sarah for the support they provided taking …”

Riz Patel

End-to-end management
Malicious Damage – Lancashire

“Firstly I must thank Bill, who had used Morgan Clark’s services and suggested we make contact when we needed help. Standard of service is just wonderful taking all pressure and st…”

Marion Glen

Dependable support
Fire Claim – Middlesex

“As you are no doubt aware, having a house fire is a very stressful and traumatic event. From that point onwards I would have been somwhat at a loss as to how to proceed. I am thus …”

Ms M. Soe

Dependable support

“Communication was first class. Sarah Lohan at the office and Martin Chapman in the field. Always available if not instantly but never failed to respond in a short space of time. W…”

Mike Graham

End-to-end management
Fire Claim – Sheffield

“Martin was great throughout the process. We didnt really know where to start and Martin just took all the stress out of the process. He explained things well. His experience having…”

F. Parkinson

Dependable support

“Morgan and Clark were a very professional ,helpful, and knowledgeable they took all the stress of our claim away and exceeded our expections in all aspects. I would highly recommen…”

Phillip Gentle

Genuine care

“From the start our dealing with Robert Godlonton were fantastic. He explained everything to us what the company did and left us to think things over. Our assessor Pino Musso was ab…”

Sarah

Genuine care

“I was a little apprehensive when I received a knock on the door not long after a fire at my rental property. Rob from Morgan Clark explained what the company could do for us and ho…”

Sarah Ramsay

Dependable support

“I was a little dubious about using a loss assessor – I’m good with a spreadsheet and can argue a case well. However, insurance companies are known to be less than fair …”

Julian Evans

Dependable support

“Without them I would have been totally out of my depth. Everything was arranged and any correspondence relating to the property and relevant meetings were in place They supplied al…”

Mrs Pauline Ducker

Dependable support
Fire Claim – Gwynedd

“We were extremely satisfied with the service we received and would highly recommend Morgan Clark to deliver a high level of customer care in what can be a fraught and difficult tim…”

Mr A. A Kujore/Ms G M Roberts

Dependable support

“Morgan Clark were absolutely great at keeping me informed and most importantly explaining the various aspects of the process. This was very much appreciated especially at such a di…”

Efemena Ikie

Dependable support
Fire Claim – Codford St Mary

“We are more than happy to recommend Morgan Clark to anyone else in a similar situation to ourselves. We had never heard of Insurance Assessors before and assumed we would just be …”

Mary Nicholls

Dependable support

“The professional service provided. We were kept up to date at every step and they returned the home to us ahead of schedule”

Grant Smith

Dependable support
Explosion Claim – Portsmouth

“Such a professional standard of service they made everything so much easier by taking over all of the hard complicated stuff and making us feel that we where the customers not the …”

M. McCormick

Weight lifted
Fire Claim – Potters Bar

“Absolutely delighted in every respect… The weight of responsibility was lifted from my shoulders and everything was undertaken in a totally professional manner. I cannot imag…”

Graham Pooley

Dependable support

“Rang with a new enquiry; the helpful receptionist passed me to Alan who took the time to listen as to what had happened. He explained that the case was unlikely to fall within the …”

R Gabriel

Dependable support

“We were very pleased with the service we received from Morgan Clark & believe we wouldn’t have been able to achieve the same cash settlement without our Assessor’s expertis…”

Trevor & Pauline Higgs

Genuine care
Fire Claim – Barnsley

“You were a Godsend!… Honestly!!…I had no idea how much work you would achieved for me. I do appreciate Morgan Clark taking my job on as l know it was quite a small one. Many than…”

M. Eid

Dependable support
Fire Claim – Ripley, Derbyshire

“Martin Chapman was excellent – regular contact by phone”

Simon Phillips

Dependable support

“Absolutely amazing company to deal with so consistent. Always sending updates nothing too much an outstanding professional company. Definitely would give them a call again.”

Mrs Maria Abbott

Dependable support

“Morgan Clark have helped us every step of the way with our claim. We had never dealt with a house insurance claim before and having their expertise and advice was crucial to unders…”

Emma Wadsworth

Dependable support

“Guided me and helped me through my claim I’ve never had to make an insurance claim anything like this before. Mark and Natalie at Morgan Clark guided me through the process, expl…”

Ron Jarman

End-to-end management

“They held our hand through the whole process, dealing with the insurers and appointing surveyors and builder, they were always available to answer any questions we had and deal wit…”

Mr & Mrs Mclean – L.U.V property Ltd

Dependable support
Escape Of Water Claim – Cardiff

“I’m very satisfied with the service received from Morgan Clark. David reminded of and helped me with council tax exemption, which prevented me from more loss. Excellent commu…”

X. Sun

Dependable support
Fire Claim – Bradford

“Overall we are happy with the standard of service we received from Morgan Clark. All the way through the process from the day after the fire to completion of the work, they have be…”

Mohammed Iqbal

Dependable support

“After our home was flooded over a year ago, our insurer and their loss adjuster seemed motivated by their own best interests, not ours. When Morgan Clark’s Taunton team agree…”

Kevin

End-to-end management
Escape Of Water Claim – Kings Langley

“From the first conversation, Matt was thorough, patient and incredibly understanding. He removed any panic and stress that I possessed from the previous encounters with the insuran…”

J. Boyd

Dependable support
Fire Claim – Redruth

“Very professional, no pressure… explained everything that Morgan Clarke would be able to assist with.”

Steven Roberts

Weight lifted

“Exemplary service, no wonder you’re a market leading company. Martin took charge of all matters lifting the burden off my shoulders when I had recently lost my mother. Both Marti…”

Fire Claim, Grimsby

Dependable support

“Both myself and my partner have been supported by Martin Chapman after a recent house fire. Martin and his secretary Sarah dealt directly with our insurance company to ensure the w…”

Vicki

Genuine care
Fire Claim – Brinscall, Lancastershire

“Pino from the outset was amazing. He was reassuring and his approach enabled me to see the exit point from what was a very difficult time for me and my family. The (settlement) amo…”

John Simpson

Genuine care
Fire Claim – Merseside

“Mr Chapman handled my case so professionally yet with respect and sensitivity! He couldn’t have done it better!”

Mohsen Nikrooyan

End-to-end management

“From start to finish the standard of service was high. Communication was excellent and each stage was clearly explained. Response to queries and problems was very prompt and very e…”

Miss Lesley Clements