Insurance Claims Advice And Help
Making an insurance claim for damage to your property can be a minefield, ticking one wrong box or getting your wording wrong can make a substantial difference to the value of the settlement offered, or even getting your claim accepted. Appointing your own Loss Assessor to manage your insurance claim can substantially improve the outcome of your claim both in terms of the amount paid out and the time it takes to complete the claim handling process.
Benefit From Professional Representation
You wouldn't go into a Court of Law without professional legal representation, so don't enter into negotiations about settlement of your insurance claim, with potentially many thousands of pounds at risk, without your own claims management loss assessors there to assist you. Loss assessors understand that this can be a difficult and stressful time for you, and that they are there to help:
What the right loss assessor will do for you
- Take away the stress, uncertainty, and confusion of dealing with your insurance claim.
- Ensure that you get a fair and fast settlement.
- Work for your best interest not the insurer's.
- Handle the preparation and presentation of all claim documents.
- Obtain estimates for repairs/replacement.
- Appoint builders from their approved panel of suppliers.
- Supervise and project manage reinstatement to insure that all work is carried out in a timely manner and to the highest standards of workmanship and materials.
- Provide a turn-key service from start to finish.
- Be a single point of contact for your claim.
Did You Know?
Builders vs Loss Assessors
Builders vs Loss Assessors
When you do an internet search, don't be fooled by builders who advertise themselves Loss Assessors or even Loss Adjusters. There are companies out there calling themselves Loss Assessors or Loss Adjusters but who are really nothing more than builders trying to work in and exploit the insurance claims market. They are NOT loss assessors or loss adjusters in the true, professional sense of those words.
Most insured parties are unfamiliar with the insurance claims process, and unless they take the time to carefully read and understand the policy terms and conditions, and have a thorough understanding of their rights and obligations under the policy, they can easily make mistakes... costly mistakes. Relying on a builder, who has his own profit orientated agenda, to process your claim and look after your best interest is the same as having a fox guard the chicken coop. A builder might be an expert in the building trades, but he is not an expert insurance claims handler.
A professionally qualified, independent loss assessor has a wealth of work experience gained from managing numerous high value claims of all types, which can include burglary, commercial business interruption, complex subsidence claims, and many others, over a period of many years. He has the experience and specialist knowledge to confront the repudiation or denial of a claim and turn it around, if at all possible. What's more, he has done the required course work and been tested and qualified by a professional certifying body e.g. the Chartered Insurance Institute (CII) or the Chartered Institute of Loss Adjusters (CILA). As such, a professional Loss Assessor is on level footing with the Loss Adjuster or any claims handler representing the insurer. To maintain his certification, a qualified and certified professional Loss Assessor pursues CPD (Continuous Professional Development), as is mandated by his professional certifying body.
Click on the graphic below to go to the Certified Claims Management site, independent certified loss assessors in the UK offering a no win no fee service.
Storm, Water & Flood Damage
With the recent period of very bad weather, especially the heavy rainfall, there will be a high level of storm, water and flood damage related insurance claims being submitted. Naturally, with this increase in claims insurance companies will be looking to minimise the value of settlements. If you are making a claim in relation to storm, water or flood damage it is more important than ever to be represented by qualified insurance claims experts (a certified loss assessor) that will ensure that you get the full entitlement of your claim, as quickly as possible.