When to Call a Loss Assessor?

When to Call a Loss Assessor?

If you’ve suffered damage, whether it’s from fire, water or accident, you’ll need to make a claim on your insurance, but at what stage of the process should you call a loss assessor?

The answer — as soon as possible.

Why Do I Need a Loss Assessor?

If you’ve ever made an insurance claim, you’ll know all about the long forms and small print. A reputable insurance company will play fair with you, but they’re not in the business of handing out money they don’t need to. If you lose your way in the maze, you could find your claim rejected.

A loss assessor, such as Allied Claims, knows all about how the insurance industry works and how to avoid the pitfalls. Unlike the loss adjustor, who works for the insurance company, the loss assessor is wholly and completely your advocate and has a vested interest in getting you the best pay-out possible. If you don’t get paid, nor does the loss assessor.

Isn’t It Better to Try by Myself First?

Some people assume they can deal with the claim themselves and only fall back on a loss assessor if they run into trouble. That’s not a good strategy, though. If you make a mistake in your claim and it’s rejected, it would be difficult for even a loss assessor to sort it out.

The time to get the loss assessor involved is the moment you know you’re going to be making a claim.

Can’t I Save Money by Doing Without a Loss Assessor?

Quite the reverse. The service is completely free to you*, since the loss assessor is paid by the insurance company as part of the settlement.

In fact, by using a loss assessor you’re likely to save money. Quite apart from the risk of having your claim rejected and being faced with the repair bills, doing it yourself means setting up meetings with both the loss adjustor and anyone offering a quote. This is likely to be during working hours, so you may have to take time off work.

Alternatively, you could have your own loss assessor doing all that, leaving you free to get on with your life while your claim is being put through by an expert.

So How Can I Contact Allied Claims?

You can call us on 0800 999 5679, check out our website, or watch our video. But call as soon as you know you have a claim.

* Excludes policy excess.

Are You Ready for Winter Insurance Claims?

Winter is coming, and that always means more floods or damage to houses, and therefore more insurance claims. But, if you don’t take a few basic precautions to reduce the risk, you could find your claim thrown out — and not even a good loss assessor will be able to help.

 Gutters and Downpipes

The guttering is a crucial part of your house’s structure. Its function is to gather all the runoff from your roof and channel it into the nearest down-pipe and into the drain, thus preventing a build-up of rainwater from damaging your roof or walls.

Over the summer, and even more during autumn, the gutters and downpipes can get clogged up with dirt and leaves, preventing them from doing their job, and the guttering can also sag or be damaged. If this contributes in any way to your claim, it’s likely to be rejected, so check and clean your guttering at least once a year, preferably in autumn.

What to Do

The easiest solution, as always, is to get a professional in to clean out both guttering and downpipes, as well as making any repairs. It won’t break the bank, although as always get several quotes and make sure you’re hiring an experienced person who’s charging a realistic price, rather than just taking the lowest quote.

If you choose the DIY route, you’ll need a secure ladder high enough to work comfortably without stretching — and, if you’re not an experienced DIYer, familiarise yourself with safety guidelines for working on a ladder. The gutters can simply be brushed out and then hosed to wash any residue down the pipes. For the downpipes themselves, you can buy a rod from any DIY shop which you push down from the top till it comes out at the bottom.

While you’re up there, check the guttering for faults or damage. Sagging gutters can often be repaired by replacing screws or brackets, while cracks in PVC gutters may be repairable with mastic. Sometimes, though, the damage requires replacement.

Bleeding Radiators

You may not have used your radiators much over the summer, and air-pockets can build up in them, posing a risk that they’ll burst. It’s easy to bleed your radiators by opening the valve with a hexagonal key (if you don’t have one, any hardware shop will sell them) and releasing the air till water starts to seep out — so be sure you have something to catch it. Do this to each radiator at the start of autumn, and they should run efficiently over the winter.

Contact Allied Claims for advice on winter-proofing your home insurance.