Read our COVID 19 notice here Covid-19 Business Interruption Insurance Claim Advice

Loss Adjusters: Your questions answered

Anyone who has been involved in a major insurance claim, such as a fire or flood at their home or business premises, 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...

Free Insurance Claim Advice Helpline

We are still helping people progress their claims remotely during the COVID-19 lockdown


For free advice call us today:

0808 278 4788

Get help with your insurance claim

What is the role of the Loss Adjuster?

The Loss Adjuster’s job is to investigate insurance claims on behalf of the insurer once they reach a certain size. The Loss Adjuster plays a crucial role in the insurance claims process and is usually the first person you will come into contact with from the insurance company after a claim is logged.

The Loss Adjuster will typically visit your property within a few days of the claim being initiated by the insurance company. The purpose of this visit is to obtain all the necessary facts, in order for your insurance company to determine whether the claim is valid and ensure the amount paid to you is correct, in accordance with your policy. This information is presented to the insurance company in the form of the Loss Adjuster’s report.

My insurance company is sending out a Loss Adjuster, should I be worried?

If the extent of damage to your property requires the appointment of a Loss Adjuster, many people seek their own representation in the form of a Loss Assessor. A Loss Assessor works for you, not the insurer, and will manage all aspects of your insurance claim.

To read more about the difference between Loss Adjusters and Loss Assessors, please click here.

What does a Loss Adjuster look for?

The first duty of the Loss Adjuster is to establish whether the insurance company is liable under the terms of your insurance policy, and if so, to what extent. The Loss Adjuster will typically review the following things:

  • That adequate insurance is in place to cover the loss
  • That all conditions and endorsements in the policy have been met
  • That the loss or damage to the property falls within the terms of the policy
  • That the amount being claimed for is reasonable
  • That only valid items are included in the claim

Ultimately, the Loss Adjuster will be looking to establish the cause of the incident and whether the damage suffered as a result, is covered by the insurance policy.

Who pays the Loss Adjuster’s fee?

The Loss Adjuster’s fee is paid by the insurance company. Their fees are paid as part of the insurance claim.

Are Loss Adjusters impartial?

It is not uncommon for people to wonder how a Loss Adjuster could be impartial when they are appointed and paid by the insurance company. There are codes of conduct set out by The Chartered Institute of Loss Adjusters, General Insurance Standards Council, and The Association of British Insurers that attempt to address this concern and require that Loss Adjusters operating in the UK do so impartially.

Some people still have a very difficult time trying to deal with the Loss Adjuster on their own however. You can watch how some recall their insurance claim experiences here.

How can I help the Loss Adjuster speed up the process?

These items may come in useful when meeting the Loss Adjuster for the first time:

  • Receipts for any emergency repair works that were carried out following the incident
  • Proof of ownership of high value lost or damaged items (receipts, photographic evidence of damaged items etc.)

It is important that you do not throw anything away until the Loss Adjuster has inspected the property and all items have been accounted for. If you dispose of something that cannot be accounted for, you may not be able to claim for it.

What can I do if I am unhappy with the conduct of the Loss Adjuster?

If you have a complaint about the conduct of a Loss Adjuster, you can submit a complaint to the Chartered Institute of Loss Adjusters (CILA). It is important to note that the Chartered Institute of Loss Adjusters has no jurisdiction concerning the settlement of insurance claims – such issues should be raised directly with the insurance company. A complaint can be escalated to the Financial Ombudsman should you not find a resolution with the insurance company.

Will hiring a Loss Assessor annoy the Loss Adjuster?

Appointing a Loss Assessor to handle a claim on your behalf is commonplace these days. They will help to ensure a resolution is met in an efficient and timely manner. With this in mind, there is no reason a Loss Adjuster should deter you from seeking your own representation during the claims process. In fact, many Loss Adjusters have recommended Morgan Clark Loss Assessors to their clients, as it allows them to communicate with a fellow professional, which makes the claims process run more smoothly.

If you find yourself in a position where the Loss Adjuster is trying to dissuade you from using a Loss Assessor, you should question their motives – this could be because they want to save the insurer money by settling your claim as cheaply as possible.

What can I do if my claim is rejected/repudiated?

There are certain circumstances under which the information collected by the Loss Adjuster can result in your claim being rejected. To find out more about the actions you can take in this scenario, please visit this page.

Can we help you with your claim?

Find out in 60 seconds

Popular Questions

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.

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.

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.

Video testimonials

See more video testimonials

Customer reviews

Despite all the assurances from both my broker and insurer that they had made me the best possible offer, you were still able to secure a settlement that was more than double the figures they had originally proposed. I had no idea bringing you on board would make such a big difference to the settlement.

I won’t hesitate to call you. Thanks again for the great service.

Lord Alan Sugar

See more customer reviews

24/7 National Helpline

0197822864601978228646 Request a call back

Your claim is in safe hands