For Sizeable Insurance Claims, You Need An Expert To Help You

There are words to talk about the kinds of catastrophes (flood, fire,storms, thefts etc) that often precede an insurance claim: disaster, nightmare, stress, consternation, annoyance... Alas the same words are often invoked to describe the process of actually making the claim too.

The reason of course is that as soon as you begin a claim you make an opponent of your insurers, or more specifically the loss adjustor working on their behalf to shrink your claim. The job of the loss adjustor is to treat the claimant with consideration, courtesy…and terminate their aspirations with extreme prejudice!

The loss adjustor is a professional who knows every dot and comma of insurance contract law. Whereas you, unless you've worked in insurance, probably know close to nothing. Slashing the value of your claim is all in a day's work for the loss adjustor and this is why, particularly when it comes to insurance claims, it is worth making a call to a loss assessor.

A loss assessor is also an insurance expert, but one who works for the client. If your claim is going to be substantial, the call to an assessor should be the second one you make, after the one to the emergency service. An assessor can also step in when your claim is well advanced but being challenged by the insurers. The assessor will handle every part of the claim for you. They will advise you as to how the business process for making an insurance claim will proceed and where it might be contested. They will handle the forms, the letters and emails and naturally the tricky negotiations with the adjustor in order that you get the maximum amount to which you are entitled. They may also arrange for emergency repairs to your home or business.

The assessor's fees - a percentage of the final payout - will invariably be covered by the increase in the premium they secure on your behalf. The assessor's impact does not rest merely on their knowledge, but also on the psychological message their involvement sends to the loss adjustor, who is likely to want to quickly reach a settlement and move on to easier opposition.

You're bound to get angry at the criminal vermin or the Act of God that jeopardised your livelihood or disturbed your home life. Feeling furious towards the guy in the Vauxhall Corsa with the cheap suit is something you can avoid however - by calling in a loss assessor. The right loss assessor will steer you calmly through your claim, ensuring that you get fair treatment from your insurance company.