How An Insurance Loss Assessor Smooths The Claims Process

If your home or your business suffers from accidental damage, you may think it's just a question of contacting your insurance company and giving them details of what happened. With your list detailing the damage and the cost of fixing everything, your insurers will give you a cheque covering all the expense of putting everything to rights, won't they?

But the claims process is not usually as easy as that.

Think about these questions:
- Do you know the detail of your insurance contract?
- Do you have precise details of what has been lost, damaged or stolen?
- In the light of the details of your contract, could you have stopped the loss from occuring in the first place?
- Do you have a recovery plan in place so that you can carry on with your life or business effectively?
- Are you aware of the costs of cleaning everything up using an outside contractor?
- Are you aware of the damage that you cannot see, such as the effects of smoke, water or long-term structural weakening?
- Have you thought about making a business interruption claim?
- Do you think you have the resilience to take your insurance claim right the way through from the outset, leading to a settlement?

You might not realise it, but professional help is available, and the right help pays for itself as you get a successful settlement at the end! No matter how helpful they are, an insurance company is a business. And as a business they have a duty to their shareholders to not pay out more than they have to when settling a customer's claim. To help minimise their settlements, they have their own loss adjusters, whose job it is to reduce the size of their settlements. Loss adjusters have years of experience in dealing with insurance claims, it's their job.

However, as a claimant you can hire your own specialists to help settle the claim – in your favour! Just like the loss adjusters, they have years of experience in dealing with insurance claims, but for people like you and not the insurance company!

These insurance loss assessors know exactly how to deal with a claim to ensure the best settlement. Their experience means that they know their way around the small print, and they know the what to expect after a fire, flood, storm or burglary. And because the disaster has not happened to them, they can deal with it in a methodical and thorough way, right the way through from start to finish.

The insurance company who covers you brings out loss adjusters when it's time for you to claim. You can employ your own loss assessors to maximise the amount you get paid out. If you need help with your insurance claim advice, contact an insurance loss assessor.