Why Should one go for an Insurance Assessor
Posted: Sep 07, 2018
If your residential or commercial property has suffered damage from fire or flood, or if your possessions have just been stolen in a burglary, you’ll normally need to start an insurance claim straight away. It might look quite simple assuming that the insurance company will pay for any repairs or replacements you need, but once you’ve negotiated with their Loss Adjuster, you’ll see it’s a lot more complicated. That’s where the difference lies between a Loss Assessor and Loss Adjustor.
Though the Loss Adjuster won’t be trying to cheat you out of your rights, part of their job involves saving the insurance company's money, being employed by the company itself, they’re not obliged to pay out. This means they’ll scrutinize your claim for faults and inconsistencies — and they’re usually very good at their job.
The solution is to appoint an independent Loss Assessor/Insurance Assessor. Loss Assessors are insurance professionals who are as expert as the Loss Adjuster. The Loss Assessor works entirely from your side. They’ll handle all negotiations with the insurance company on your behalf, as well as liaising with contractors and obtaining quotes, making sure you get the maximum benefits out of your claim.
Many people with an insurance claim might assume the best strategy is to do it themselves and only call in a Loss Assessor if something goes wrong. After all, it might be perfectly straightforward plus save the money and time.
That could be true —provided you’re very lucky. The reality is that insurance claims are rarely that simple. This means that by doing it yourself, you risk making an error in your claim which the Loss Adjuster will pick up on and use as a reason to refuse your claim or reduce the pay-out. The Insurance Assessor you then appoint will try to get the decision reversed, but that can be an arduous struggle.Moreover if your insurance claim involves a sumptuous amount, the insurance company will always look into ways to reduce the pay-out as much as possible.That’s the other most important reason why you must get an Insurance Assessor as soon as a calamity strikes your property.
Hence the best way that can help you prepare your claim with no loopholes is hiring a Loss Assessor, who will take the whole matter into hands quite professionally, making it highly unlikely for the insurance company to turn down your claim.
You can take an expert advice from insurance loss assessor - Claimmakers.co.uk for this.