A loss adjuster is appointed by the insurance company to assess claims and a loss assessor is appointed by the policyholder to represent their interests. While loss adjusters are supposed to be impartial, they work for the insurance company. Loss assessors exclusively work for the policyholder to ensure they receive the full amount they are entitled to under their policy. It is recommended to appoint a loss assessor at the start of the claims process for proper representation.

1. Aren’t loss adjusters and
loss assessors the same
thing?
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2. The terms Loss Adjuster and Loss Assessor soundThe terms Loss Adjuster and Loss Assessor sound
very identical but they are, in fact, quite distinct. Onevery identical but they are, in fact, quite distinct. One
is appointed by your insurance company and theis appointed by your insurance company and the
other is appointed by you to assure you getother is appointed by you to assure you get
everything you’re entitled to.everything you’re entitled to.
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3. If you ever suffer water, flood, and fire or stormIf you ever suffer water, flood, and fire or storm
damage to your property and need to claim on yourdamage to your property and need to claim on your
insurance for the repairs, you’ll encounter a lossinsurance for the repairs, you’ll encounter a loss
adjuster who is sent by your insurance company toadjuster who is sent by your insurance company to
assess the damage.assess the damage.
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4. A loss adjuster is a claims expert appointed by andA loss adjuster is a claims expert appointed by and
on behalf of your insurance company when youon behalf of your insurance company when you
make a claim over a certain amount. Each insurancemake a claim over a certain amount. Each insurance
company has its own in-house claims team but theycompany has its own in-house claims team but they
usually only deal with small claims, typically up to ausually only deal with small claims, typically up to a
value of £1500 or thereabouts.value of £1500 or thereabouts.
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5. Over and above their in-house claims limit, yourOver and above their in-house claims limit, your
insurer will outsource the claim handling to a lossinsurer will outsource the claim handling to a loss
adjuster, who will inspect the damage, decideadjuster, who will inspect the damage, decide
whether the claim is valid and determine how it’swhether the claim is valid and determine how it’s
going to be settled.going to be settled.
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6. Is a loss adjuster independent?Is a loss adjuster independent?
In theory, loss adjusters are supposed to beIn theory, loss adjusters are supposed to be
independent and impartial and deal with your claimindependent and impartial and deal with your claim
fairly. However, remember that they work for yourfairly. However, remember that they work for your
insurance company, who pays their fees and auditsinsurance company, who pays their fees and audits
them. The loss adjuster will prepare a detailedthem. The loss adjuster will prepare a detailed
written report about you and your claim, makingwritten report about you and your claim, making
recommendations to your insurer on how the claimrecommendations to your insurer on how the claim
should be dealt with.should be dealt with.
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7. What is a loss assessor?What is a loss assessor?
A loss assessor is also a claims expert whoA loss assessor is also a claims expert who
exclusively represents you, the claimant. Whereasexclusively represents you, the claimant. Whereas
there can be ambiguity on the impartiality of a lossthere can be ambiguity on the impartiality of a loss
adjuster, there isn't any doubt with a loss assessor.adjuster, there isn't any doubt with a loss assessor.
Their role is to argue that there is liability and toTheir role is to argue that there is liability and to
ensure that you get everything you’re entitled toensure that you get everything you’re entitled to
under your policy.under your policy.
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8. A loss assessor has to be authorized and regulatedA loss assessor has to be authorized and regulated
by the Financial Conduct Authority and they willby the Financial Conduct Authority and they will
work on your behalf, to make sure you are properlywork on your behalf, to make sure you are properly
and professionally represented when making yourand professionally represented when making your
claim.claim.
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9. Why should I appoint a loss assessor?Why should I appoint a loss assessor?
Because a loss assessor works for you, not yourBecause a loss assessor works for you, not your
insurance company, they have your interests in mindinsurance company, they have your interests in mind
and do all they can to ensure you get what you’reand do all they can to ensure you get what you’re
entitled to. Your insurance company is, invariably, aentitled to. Your insurance company is, invariably, a
multi-million pound business and will put its ownmulti-million pound business and will put its own
interests – and profit – first. A loss assessorinterests – and profit – first. A loss assessor
understands the industry and how to navigate it, andunderstands the industry and how to navigate it, and
will put your interests first.will put your interests first.
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10. When should I approach a loss assessor?When should I approach a loss assessor?
Contact them at the very start – so many people getContact them at the very start – so many people get
tripped up by saying the wrong thing to the wrongtripped up by saying the wrong thing to the wrong
person at the wrong time, which can scupper yourperson at the wrong time, which can scupper your
chances of a decent claim.chances of a decent claim.
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11. If you appoint a loss assessor to handle yourIf you appoint a loss assessor to handle your
insurance claim will work alongside them to ensureinsurance claim will work alongside them to ensure
your claim is accepted and progressed as speedily asyour claim is accepted and progressed as speedily as
possible. This smoothes out the process for you andpossible. This smoothes out the process for you and
your insurer – you don’t need to start finding youryour insurer – you don’t need to start finding your
own quotes or wait for paperwork from otherown quotes or wait for paperwork from other
contractors.contractors.
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claims help and advice. For more details, visit https://claimmakers.co.ukclaims help and advice. For more details, visit https://claimmakers.co.uk

12. If we are appointed at the start of a claim andIf we are appointed at the start of a claim and
provide a comprehensive costed scope, most of theprovide a comprehensive costed scope, most of the
time your insurer won't ask for a second quote.time your insurer won't ask for a second quote.
Claim Makers - insurance loss assessors in London, specialised in insuranceClaim Makers - insurance loss assessors in London, specialised in insurance
claims help and advice. For more details, visit https://claimmakers.co.ukclaims help and advice. For more details, visit https://claimmakers.co.uk