Do You Know How to Talk to a Loss Adjuster, and What They Are Looking For?
If you need to make an insurance claim for fire, flood, accidental or criminal damage to your home or business, one of the things you’ll need to do at least once is to meet the Loss Adjuster, a professional employed by the insurance company to look at the claim.
Assuming you’ve chosen a reputable company (and most insurance companies are reputable) the Loss Adjuster isn’t going to try and cheat you out of your money. On the other hand, no insurance company is in the business of handing over money it doesn’t need to, and if you fail to make a good case to the Loss Adjuster for your claim, you could find it reduced or even rejected.
The Problem With Loss Adjusters
The real problem with Loss Adjusters isn’t that they’re out to get you, but that they’re experts and, I presume, you’re not. An insurance claim can be complicated, and it’s essential to be sure none of the hundred and one details that could derail it apply to yours.
Have you overlooked an essential piece of information that would prove your point? Have you phrased something poorly to make you seem negligent, or that the circumstances were outside the terms of the policy? It’s very easy to do, but it’s the Loss Adjuster’s job to pick up those anomalies.
There’s a Choice
Would you like to handle all this yourself — probably having to take time off work for the meetings, since Loss Adjusters normally work office hours? Would you like to have to negotiate all on your own with a professional whose job is to find faults in your case? Would you like to lose your claim in the end because you didn’t realise how some apparently trivial detail would come over to a Loss Adjuster?
Or would you prefer to have a professional on your side, who could handle the meetings, the proposals and negotiations? Someone who could approach the Loss Adjuster from a position of at least equal expertise?
That’s what a Loss Assessor does. A Loss Assessor is an independent expert who works for you, to ensure that you, the Policyholder, receive a fair and just settlement, and that the property is reinstated to the same position as before the damage occurred. And the best thing is that it won’t cost you a penny, since the Loss Assessor bills the insurance company as part of the claim.
If youdon’t have the time or dread facing the Loss Adjuster or Insurer, call Allied Claims on 0800 999 5679 to find out how we can help you.