A Loss Adjuster works for the insurance company and protects their interests, they pretend to act impartially however we would simply state “he who pays the piper, plays the tune.”
One of the best ways loss adjusters serve their principles is by paying you as little as possible, if anything at all.
On the other hand, a Loss Assessor works for you, supposedly at your own cost. You will be reminded of this by your insurance company, however it would be our experience that our clients find themselves at least 30% financially better off net of our fees.
How does a Loss Assessor work?
A loss assessor, meets with you prior to meeting with the loss adjuster, listens and understands your claim and then proceeds to represent your interests within the claim.
Following that meeting with the insurance company, a scope of works needs to be completed, your loss assessor takes care of this and avoids you getting estimates from builders in respect of property repairs.
A loss assessor will only require estimates for rare and unusual items therefore there will be most likely be no need for you do any of this work.
When the loss has been quantified, it is then sent to your insurance company’s loss adjuster who makes a counter offer, your loss assessor will then analyse this offer and make recommendations accordingly.
This is where the skill between loss assessors really hits home, it takes quite a lot of time to get the extra settlement amount onto your insurance claim which is in your best interests, some loss assessors price the processing of claims quite cheaply therefore overlooks the final part of your insurance claim as their fee isn’t sufficient to justify this final step.
At Pro Insurance Claims, we assure every client that we will get you every cent that you are owed within your insurance claims.
Pro Insurance Claims, “Don’t Settle for Less”