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Problems with Loss Adjusters? We can help
When disaster strikes, the last thing you need is a battle with your insurance company. Sadly, this is often the reality for people making an insurance claim. Loss Adjusters, appointed by insurers, are expected to act fairly under the Chartered Institute of Loss Adjusters (CILA) code of conduct. However, many Loss Adjusters lack CILA qualifications themselves, with most training provided in-house by staff without CILA loss adjusting qualifications.
Furthermore, Loss Adjusters frequently work under “retained authority,” which requires them to seek the insurer’s approval for decisions. This limits their independence and can prevent them from challenging insurer instructions, even when they disagree with them. It is often the case that a Loss Adjuster’s primary loyalty lies with the insurer, which can lead to conflicts of interest that can disadvantage policyholders.
Common problems with Loss Adjusters
Here are some issues we have encountered:
- Underestimating the claim: One of the most frequent complaints is that Loss Adjusters undervalue damages. They might overlook hidden damage, use outdated valuation methods, or apply depreciation excessively.
- Delayed or denied claims: Policyholders often experience unnecessary delays in the claims process or their claims are outright denied without proper justification.
- Lack of communication: Poor communication is a common issue. Loss Adjusters may be unresponsive, provide unclear information, or fail to keep policyholders updated throughout the claims process.
- Pressure to settle quickly: Some Loss Adjusters may pressure policyholders to settle quickly for less than the claim is worth. They might use tactics like offering a small initial payment to expedite the process.
- Complex policy language: Insurance policies can be difficult to understand, and Loss Adjusters may exploit this to the insurer’s advantage.
If you’re unsure about the role of a Loss Adjuster or need more clarity on how they operate, you can find more details in our guide: Loss Adjusters: Your Questions Answered. This page addresses frequently asked questions and provides insights into what to expect during the claims process.
How Morgan Clark can help?
A Loss Assessor works exclusively for you, the policyholder. At Morgan Clark, we’ve helped thousands of homeowners, business owners and landlords achieve fair settlements they wouldn’t have secured alone. Our expertise in navigating the complex world of insurance claims gives us an edge that translates to better outcomes for our clients. Find out more about the difference between Loss Adjusters and Loss Assessors here. Here’s how we can help:
- Independent valuation: We provide accurate and impartial assessments of the damage, ensuring that no aspect is overlooked.
- Expert negotiation: Our knowledge of insurance policies and claims processes allows us to negotiate effectively with Loss Adjusters on your behalf.
- Clear communication: We keep you informed every step of the way, providing regular updates and explaining the process clearly.
- Maximising your claim: Our goal is to secure the maximum settlement possible, so you can focus on rebuilding your home or business.
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
24/7 support
0808 159 3249Why early involvement matters
By contacting us early, you reduce the risk of mistakes that could delay or limit your claim. The sooner we’re involved, the better your chances of receiving the full settlement you’re entitled to, and the highest possible standard of workmanship.
As the case study below illustrates, by engaging a Loss Assessor, you’re taking control of the claims process and increasing your chances of a fair outcome.
Our client, Mr. Ward, was initially offered a £10,000 settlement for extensive water damage to his home. With our help, he secured a final settlement of £50,000—allowing him to fully restore his property. Read the full case study.
Don’t let problems with a Loss Adjuster dictate the terms of your recovery.
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