Loss Assessor Services | A loss assessor is responsible for assessing the damage to your house or business property caused by fire, water, storm, flood, subsidence, burglary or any other insurable peril.
Assessing the damage yourself, especially when you trying to deal with the havoc in your life caused by the disastrous event, is not a good idea.
An incorrectly assessed claim can seriously impact the amount of the compensation you will receive.
You also need to consider that some of the damage to your property may not be immediately obvious. There could be some secondary damage by smoke, or water used to extinguish the fire; or the flood water might have damaged the foundations and in a few months your walls will begin to crack.
Secondary damage can cause mould growth, rusting of metals, permanent staining of PVC and plastics, hidden structural damage etc. This damage, is often omitted in the claim and only discovered long after the claim has been closed and settled.
Benefits of appointing an experienced loss assessor
As most traumatic events in life such as fire or flood damage don’t happen too often, you are unlikely to know what to do when the disaster strikes. You also won’t know how to accurately assess the damage, or how to deal with the insurance loss adjuster trying to invalidate or reduce your claim.
Many policy holders lose out, because to avoid stress and having to fight for what is rightfully due to them, they take whatever compensation is being offered.
By appointing a professional loss assessor, you are gaining a valuable ally. A loss assessor can accurately assess the damage and prepare comprehensive documentation of the claim. This part is vital to having the claim accepted and paid out promptly by your insurer.
If you think that whatever you miss in your claim will be pointed out by your insurer’s loss adjuster, think again. The sole role of an insurance loss adjuster is to minimise the payout for the insurer. He will therefore only look at the loss reported by you, and even then, he will try to find policy exclusions and other loopholes frequently buried in the small print, in order to reduce, or even decline your claim.
An experienced loss assessor will know where to look for potential secondary damage. He will also be able to interpret policy wording and pre-empt the attempts to reduce your claim. Since he has not been emotionally affected by the traumatic event, he can calmly formulate a claim management strategy, that will ensure the best outcome for you.
Appointing an experienced loss assessor will not only save you the stress of dealing with the claim and provide a much more accurate assessment of your loss; it will also save you a lot of time and hassle. A loss assessor is likely to have contacts with reliable structural engineers, professional cleaners, builders and repairers. He can therefore estimate the total reinstatement value of your loss and file a claim in a fraction of the time it would have taken you to do it by yourself.
Ready to delegate the stress and hassle of dealing with your claim?
If you don’t need the stress of sifting through the debris in order to assess the damage, and you would rather avoid dealing with the insurance loss adjuster who is trying to reduce your claim, call us.
A public loss assessor represents you, the policy holder, not the insurance company. You can therefore rest assured that your interests will be well protected.
Insurance Claim Solutions are not only highly experienced Insurance Loss Assessors, but also fully qualified Building Surveyors with many years of insurance claims management experience.
We can therefore point out to you damages and losses that are not immediately obvious, but are often uncovered months after the claim is settled and closed. Our Claims Management Expert can take care of your claim from start to finish and negotiate on your behalf the best possible compensation for your loss.
We only charge a small percentage of your claim and work strictly on a NO WIN – NO FEE basis. You only pay us, when you receive a compensation, otherwise we don’t charge you a cent. Most of our business comes through recommendations, so you can rest assured that your claim will be in good hands.