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

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

Reviewed by Phil Morgan

Reviewed By:

Phil Morgan

Read time: 2 mins

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.

Free Insurance Claim Advice

Need to speak to one of our experienced Loss Assessors about your insurance claim? We will:

  • Offer you independent expert insurance claim advice
  • Let you know what your options are
  • Give you tips to ensure your claim gets resolved as quickly as possible

    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

    fca morgan clark

    We are authorised & regulated by the Financial Conduct Authority (FCA)

    This means our clients are protected. You can trust the professionals managing your claim as we are regulated to the FCA’s strict standards and codes of conduct.

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    I can’t recommend Morgan Clark enough

    I can’t recommend Morgan Clark enough . I was in total despair when my insurance company initially declined our genuine …

    Trusted Customer – November 24, 2021

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    Excellent would recommend to anyone

    After a serious flood Morgan Clark were recommended, we met Dan Norris who was the most wonderful , kind and helpful …

    Mrs Donovan – February 10, 2022

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    Outstanding service

    Expert advice which ensured our claim was settled legitimately and comprehensively

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    Very professional frist time I’ve clamed and did all the work for us

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    Exceptional service from start to finish

    From start to completion Morgan Clark have been exceptional. They took away the stresses of dealing with insurers and with …

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    So helpful keeping good contacts when you needed

    Very helpful kept us in touch all times easy to speak to Martin Chapman top man

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    Absolutely fab company

    What an absolutely fabulous company, they took all the stress and hard work from us and sorted everything, what started …

    Joanne McVicar – August 18, 2022

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    Extremely professional and considerate

    From the very onset of their involvement , Sunny and then Ryan Field took on our case and their handling of …

    Trusted Customer – September 1, 2022

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    We could not have done this without you …

    “Exemplary! There was no occasion when we did not feel fully informed about the progress of our claim and the …

    Mr & Mrs Biggs

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    Alan was very helpful, friendly and extremely informative …

    “Alan was very helpful, friendly and extremely informative. He guided us through the initial process of making a claim after …

    Ms Wilson

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    Vital in getting the insurer to accept the liability …

    “Morgan Clark understood the policy wording on our landlord insurance policy which has been vital in getting the insurer to …

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    Never have I come across a team of people who exceeded my expectations…

    “I have worked as a professional all my life. Never have I come across a team of people who exceeded …

    Mr Rabinowitz

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    Outstanding customer service and experienced staff …

    “Extremely high standard of service. Extremely professional, both representatives that dealt with the case, Nathan Robertson and Ryan Field, gave …

    Mr Asif

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    You did it all for us and we can’t thank you enough …

    “We have found you extremely easy to deal with and to be honest you made the process very easy for …

    Ms Hall

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    You took all the worry away from us …

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    Ms Brandon

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    We have recommended your company and would do again …

    “Paul was very helpful and explained all the options and kept us updated taking a lot of stress and time-consuming …

    Mr Boylan

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    Reassuring advice throughout …

    “All parties involved at the site meetings were so helpful and absolutely professional in organising the repair of our house …

    Mr & Mrs Mc Ginness

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    Reassuring advice throughout …

    “Due to the poor experience with the loss adjuster we never thought that we would have our house returned to …

    Mr Nazir

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    We can’t thank you all enough…

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    An outstanding service…

    “This is the second time we have used your service. What you offer is an outstanding service at a time …

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    I know I would not have coped without them…

    ‘My team’ as I have grown to call them, have supported us through some challenging times, all with 100% professionalism, and …

    Mrs Hampshire

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    Highly supportive and we cannot recommend them enough…

    Our high level of satisfaction with Morgan Clark comprised of many fundamental components including communication, teamwork and collaboration …

    Dr Baqar & Mrs Ali