Frequently Asked Questions About Loss Adjusters

Insurers appoint loss adjusters in order to assess your claim from an impartial viewpoint, addressing the concerns of both the policyholder and the insurer, with the aim of achieving a fair outcome to the benefit of both parties, within the terms of the policy.

Insurance companies usually appoint loss adjusters on any claim over a set value, often as little as £500. Believe it or not, your insurance company does want to pay your claim. In most cases, they do not have staff who carry out external visits so they appoint an outside party.

The adjusters work to the Codes of Conduct published by the Chartered Institute of Loss Adjusters, the General Insurance Standards Council and the Association of British Insurers. These require the adjuster to act, amongst other things, with total fairness and honesty. There are different codes of practice for adjusters outside of the United Kingdom.

No, the level of charges tends to be based on the amount you receive, not the amount saved.

Several reasons. Since the loss adjuster will be from a separate company, your claim can be assessed from an independent viewpoint. Loss adjusters can offer practical advice and help during what sometimes can be an extremely harrowing experience.

Please carry out any emergency measures to prevent any further loss or damage. Take photographs before any work is carried out. Have available for the loss adjuster as much documentation as you can including estimates for all necessary repairs and replacements.

We hope this will not be the case. If you are dissatisfied, we would encourage you to write setting out your problem. We promise to listen to what you say and to investigate quickly and fairly. We will then contact you with the aim of resolving any outstanding issues. If we cannot agree on a way forward, your policy document will, normally, outline the procedure which must be followed.