Can My Insurance Broker Help With My Claim?

Can My Insurance Broker Help With My Claim?

If you take out an insurance policy, the only person you have much contact with is the insurance broker who arranges it. So it seems to make sense, if you have to make a claim, to turn to the broker for assistance, but can the insurance broker really help?

The Insurance Broker

The short answer is yes, they can. But that doesn’t mean it’s the best option.

An insurance broker’s role is to find you the best possible policy in a market place fraught with choices and dangers. This is a complex and highly skilled job that takes up a good deal of time, and may not leave them with the capacity to take on a different complex and highly skilled task.

Think about it. If you needed repairs or renovations for your home, would your first thought be to go back to the estate agent who arranged the sale? If they’re a good company, they might try to help, but this would probably just involve referring you to someone who’s expert at the job in hand.

And that’s exactly what your insurance broker will probably do.

The Expert

The expert your insurance broker will most likely recommend is a Loss Assessor, an independent professional whose role is to negotiate with the insurance company’s Loss Adjuster on an equal (if not greater) level of expertise. Having got you the best possible settlement for your claim, many Loss Assessors, including Allied Claims, will then project manage the entire process and bill the insurance company directly. You’ll have little to do except watch your property being restored to its appropriate state.

Insurance brokers and Loss Assessors make perfect allies. Both are there to make sure you get the best deal possible, but at different stages of the insurance process. The insurance broker does it by knowing the market place, while the Loss Assessor does it by knowing how to deal with claims and insurers.

At Allied Claims, we often work closely with the client’s insurance broker, pooling our knowledge to ensure the best possible outcome for the claim.

Call Now

So the answer is yes, your insurance broker can help you with your claim — by putting you in touch with us. But you don’t have to wait for that. Call Allied Claims now and let us help you with your claim from the beginning.

Call 0800 999 5679 now and discover how Allied Claims can help you in your emergency.

Can I call a Loss Assessor After Submitting a Claim?

Can I Call a Loss Assessor After I Have Submitted a Claim?

You already know, hopefully, that the best way to manage your insurance claim for property damage is to appoint an independent Loss Assessor, who can steer your claim through the often confusing process. But when is the best time for it? Can you be too late, or too early?

The Earlier the Better

The ideal time to contact a Loss Assessor, such as Allied Claims, is as soon as you’ve reported your claim to the insurance company and received your claim number from them. Although you could theoretically get in touch before this, there wouldn’t be a lot of point. You couldn’t appoint us as your Loss Assessor at that stage, and we’d be unable to act for you.

As soon as we have your claim number, we can swing into action straight away. We’ll contact the Loss Adjuster appointed by the insurance company to find out how they’re viewing the claim. If that’s less than ideal, we’ll argue your corner with at least as much professional insight as they have.

At the same time, we’ll be organising quotes and dealing with the companies involved, and then project manage the repairs and renovations and submit invoices to the insurer when it’s done. Best of all, as you probably know, it won’t cost you a penny.*

Can I Call Later?

You’re completely entitled to appoint a Loss Assessor at any stage during your claim, and if for any reason you haven’t done so at the beginning, by all means put that right as quickly as possible.

There are definite disadvantages to leaving it late, though. By that time, you’ll have probably dealt with the Loss Adjuster yourself, whereas you’re better off if the Loss Assessor negotiates with the Loss Adjusters. It’s far better having a professional interpreting the fine print and the various clauses in a policy as early as possible.

If you do come to us late, after your claim has been thrown out on a technicality, we’ll do our best to renegotiate it. But that will be considerably harder than if you’d contacted us right at the beginning.

Call Us

Why take the risk? For peace of mind, call 0800 999 5679 the moment you have your claim number.

* Your Policy Excess always applies.

Who Can Use a Loss Assessor?

Who Can Use a Loss Assessor?

Are you trying to make head or tail of your insurance claim and wondering what resources you can or can’t use? You may have heard of Loss Assessors like Allied Claims, but you’re not entirely clear about what they do and whether your claim is suitable. What kind of claims does a Loss Assessor take?

Can I Use a Loss Assessor?

The simple answer is yes, as long as you have a claim relating to property being damaged. It doesn’t matter whether it’s personal or business property, or issues to do with business operations —if you have damaged property, you can appoint a Loss Assessor, no matter how it happened.

Most claims relate to fire, water, criminal or accidental damage, but other disasters can occasionally happen to property. Don’t worry about how bizarre the incident was, we’d love to hear from you.

Can I Still Use a Loss Assessor if I’m a Business?

Most Loss Assessors can help with both personal and business claims, although there are differences between them. Insurance policies for business property often include clauses covering business interruption, loss of profit and reinstatement.

This makes business claims a specialist field which requires careful management. Allied Claims has extensive experience managing both business and personal claims, though. Whatever type of property has been damaged, we can deal with it.

What If I Can’t Afford a Loss Assessor?

You might think you’re barred from using a Loss Assessor because you don’t have the funds to pay anything up front. In fact, there’s nothing to worry about. In most circumstances, a Loss Assessor’s service shouldn’t cost you a penny, and certainly nothing in advance.

The Loss Assessor will arrange and manage the work that needs to be done and then bill the insurance company. All transactions are between the Loss Assessor and the insurance company.

Call Us

Call Allied Claims now on 0800 999 5679 for all property and business related claims.

Do You Know How to Talk to a Loss Adjuster, and What They Are Looking For?

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.

Call Us

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.

Do Loss Assessors Only Take on Big Claims?

Do Loss Assessors Only Take on Big Claims?

Making an insurance claim is far easier if you use a loss assessor, who can use expert knowledge to negotiate with the insurance company and organise the best available companies to do the work. Hopefully you know that — but what if you can’t get a loss assessor?

It’s a sad fact that some loss assessors will only take on high-value claims, and you might find a relatively small claim turned down. The problem is that the amount you’re claiming may be small to the insurance industry but significant to you as the claimant, and you still need the same professional help to ensure you get it.

The Exception

Allied Claims, unlike some other loss assessors, don’t refuse cases because they don’t involve big sums. Why should we? After all, a claim for £1,000 will almost certainly involve far less work than one for £100,000. you have the peace of mind of your claim being professionally handled.

That’s not to say we’ll take on any claim we’re asked to, but that has nothing to do with the value. We’ll only turn down a claim if we don’t feel it’s in the client’s interest to pursue it.

Reasons for Not Representing Claims

There are various reasons why we might decide not to represent you in a claim. It may be that the excess on your policy is so large that it wouldn’t be worth your while to go through a claim (and perhaps risk higher premiums in future) for the sake of a tiny pay-out or none at all.

Perhaps the most common reason, though, would be if an examination of the policy showsthat, even with our help, your claim is unlikely to succeed. This would probably be because the specific damage or cause isn’t included in the policy.

It’s unlikely this is because the incident is too bizarre and unexpected to be foreseen. It normally happens when the policy has been selected on the internet, rather than using a broker. You might seem to be saving money at the time but, in our experience, using a broker to set up the policy is as vital as using a loss assessor to make the claim.

Call Us

Call Allied Claims on 0800 999 5679 if you’ve been turned down by another loss assessor on the grounds of a small claim — or, even better, call us first to save time.

What Does a Loss Assessor Cost?

What Does a Loss Assessor Cost?

An expert service like a loss assessor, who manages your insurance claim and makes sure you get everything due to you, has got to be expensive, right? Wrong. If you take the full service from Allied Claims, it won’t cost you a penny.

There are various choices, depending on what kind of service you prefer.

A Full Service from Allied Claims

A loss assessor like Allied Claims can deal with every aspect of your claim for fire, water, criminal or accidental damage, from meeting the insurance company’s loss adjuster and arranging quotes to project managing the work and administering the invoices. If you sign a mandate at the outset of your claim to authorise this, the service is entirely free to you.

If you take this option, you won’t have a thing to do. The loss assessor will deal with all appointments, quotes and negotiations from a position of expertise in both the small print of insurance and what to look for in a good contractor. They’ll arrange everything from getting emergency work done right away to temporary relocation if you’re a business, so that you lose as little as possible. And they’ll project manage all the work that’s required, before presenting the invoices to the insurance company.

Under this option, the loss assessor takes payment from what the contractors receive, meaning you won’t pay a penny. The service is free to you.

What if You Don’t Want a Full Service?

There may be reasons you don’t want the loss assessor arranging the quotes or project managing the work. Perhaps you know a builder you trust and can get a good deal from. That’s fine, and we can still handle all the negotiations with the insurance company. We’ll work just as hard at making sure nothing owing to you slips between the fine print, but you’re free to hire who you like to carry out the repairs.

In this case, the loss assessor isn’t entitled to receive a share of the settled invoices, so you pay an agreed percentage of the final claim. Or, if you prefer, you can be invoiced at an hourly rate and receive the full claim yourself.

Which Is Better?

Allied Claims would always recommend that you take the full service. It allows us to make sure you get the best possible work done, while it’s absolutely free to you. If you have a good reason for only taking a partial service, though, you’ll still get first-class value for your money from us. Call Allied Claims now on 0800 999 5679 to discuss your claim.

Why Use a Loss Assessor?

Why Use a Loss Assessor?

If you have to make a claim on your insurance for fire, water or accidental damage, do you really need one more person to deal with? Well, that depends who it is. A loss assessor is there to take the hassle away, not add to it.

Can’t I Keep Control of My Claim?

Of course, if you prefer to keep the whole process in your own hands, that’s entirely up to you. You can control filling in endless forms. You can control phoning around endless builders or decorators to ask for quotes, and then staying in for the appointments they make. You can control meetings with the insurance company’s loss adjuster, trying to argue points on which he or she is an expert.

And, since these appointments will normally be during working hours, you can control taking all that time off work, either losing money or cutting into your holiday entitlement.

Alternatively, you can put it into the hands of an independent loss assessor, who’ll negotiate with the loss adjuster from a position of equal expertise, take full responsibility for arranging quotes, and even manage the work when it’s finally agreed. It’s up to you.

Surely I Know Best About My Claim?

You might know more about your own situation than a loss assessor, but that doesn’t mean you know more about how your claim will look to the insurance company. A reputable company won’t be setting out to cheat you, but they’re not in the business of paying money they don’t have to, and even a minor error in your claim could invalidate it.

Much like a lawyer if you have to go to court, a loss assessor is someone with at least as much technical knowledge as the people you’re dealing with, and who speaks the same language, but with it all put at your disposal. Why would you want to do without one?

What If I Can’t Afford a Loss Assessor?

If you’re making a claim, that may not be a good time to take on extra expense. The good news is that appointing a loss assessor won’t cost you a penny.* Their fee is included in the claim, so they’re paid by the insurance company when, and only when, you receive what you’re due.

So How Can I Contact Allied Claims?

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

* Excludes policy excess.

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.

Thermography: Detecting Hidden Damage

Thermography Service
When your house is being assessed for damage after an accident, much of it is obvious on sight. Some damage, though, is hidden and may only start causing problems long after your claim is settled, such as water damage in walls, or wet insulation. The only way to find these by conventional means is often quite destructive in itself.

Thermography is a non-invasive technique that allows many hidden defects to be found before they become problems — not to mention before your insurance claim goes through.

What Is Thermography?

Thermography is a type of infra-red imaging that allows a very accurate picture to be built up on the basis of slight differences in heat. Its uses range from medical diagnosis to military surveillance, but it’s increasingly used in the construction industry, and by extension for assessing insurance claims.

Infra-red, the energy beyond the visible spectrum that’s experienced as heat, is emitted by all objects, the strength varying according to temperature. The precise frequency also varies for different substances, in much the same way that visible light shows things as different colours.

This makes it possible to build up a detailed image of the fluctuations in heat, either directly viewed or recorded as a photo, which can reveal otherwise unseen faults.

What Can Thermography Detect?

The list is extensive, but the main uses include:

  • Energy loss — thermography can identify places, such as doors and windows, that allow heat or energy to escape, which will be adding to your bills.
  • Refrigerant leaks — these are hard to detect, but thermography can allow them to be found and sealed.
  • Electrical hot spots — identifying places where electrical components may be damaged or about to fail.
  • Insulation problems — thermography can identify insulation that’s wet or missing, either of which is both a hazard and a waste of energy.
  • Detecting water damage in walls or moisture and mould — these issues can spread unseen to the point where dealing with them is expensive (and may not be covered by your insurance at that point).
  • Locating underfloor heating pipes — without having to tear up the entire floor to find them.
  • Businesses utilising machinery and equipment – thermography can detect faulty parts, such as bearings or loose connections, without having to dismantle the equipment. This can avoid lengthy breakdowns, which would lead to costly downtime, by taking preventative action.

Will Thermography Have Any Effect on the Property?

Though some kinds of thermography (to create night vision, for instance) involve sending out infra-red illumination before making the scan, the type used in assessing damage is an entirely non-invasive process that will have no more impact than taking a photograph. But it can save you a great deal more money than any photo.

Contact Allied Claims to find out how thermography could help you.