| When you start to make a claim following a fire, | | | | How can a loss assessor help me? |
| flood, burglary or accident your sole concern will be | | | | By now you will be pretty au fait with what a loss |
| restoring your life to ‘business as usual’ and | | | | assessor does, but to recap, a loss assessor will step |
| making sure that your insurance covers you for all of | | | | in a deal with every aspect of your claim. A loss |
| the damage. | | | | assessor will deal with organising somewhere for you |
| Many people believe that because they pay a | | | | to stay should you not be able to stay in your home, |
| monthly premium to their insurance company, that | | | | replacement locks, clean up professionals, a courtesy |
| they will, in the event of an incident, be covered and | | | | car, as well as speaking to your insurance company |
| that the insurance company will pay out and want to | | | | so that they understand the full nature of the claim |
| help them to get back onto their feet. | | | | and repairs needed and even some cash if you need |
| Sadly, this is not actually the case and in fact, more | | | | it. |
| often that not, your insurance company will do | | | | A loss assessor will answer all of the questions that |
| whatever it can to pay out the least amount possible. | | | | an insurance company will have and liaise with any |
| Your insurance company will send out a loss adjuster | | | | contractors that might be needed to facilitate any |
| to inspect the damage and from their your insurance | | | | restoration work. |
| company will decide how much they believe that you | | | | A loss assessor also understands the fine print of |
| are entitled to. The loss adjuster, who works on | | | | your policy and therefore can explain the jargon the |
| behalf of the insurance company, will be looking to | | | | covers any exemptions or elements that seem alien. |
| minimise the value of your claim, so with this in mind | | | | The fundamental role of a loss assessor is to provide |
| it is often a good idea to have someone on side who | | | | a true statement of what you have lost and |
| can assist you with getting the best possible | | | | negotiate the type of settlement and amount that |
| settlement. | | | | you deserve to deal with your claim. |