What Does a Loss Assessor Do?

Want To Know What A Loss Assessor Does?

There is no difference between the loss adjusters who are appointed by your insurers and Public Loss Assessors other than who they work for. It is this simple change that you need to consider when reviewing any submissions for your claim from your insurers. Whenever a covered event such as fire or flood damage, escape of water, theft or any other buildings or contents related dangers occurs in your home or business, it can be a stressful time. You the policyholder may find it difficult to cope with the stressful time during this event you will most likely need our help.

There are many things to consider about the claim itself, including the organisation of surveyors and building estimations for the repairs to the property. In the case of commercial claims consideration has to be given to the effects on production, sales and procedures in general. We want you to be able to return to your business as quickly as possible. Public Loss Assessors is here to assist if we are appointed by you. We will take over the whole entire claim on your behalf. As professional loss assessors, we provide the same level of skill and professional advice used by the insurers when a claim is made.

Public Loss Assessors Are Here To Help

Public Loss Assessors are here to help if we are appointed by you we will take over the whole entire claim on your behalf. As professional loss assessors, we provide the same level of expertise and professional advice used by the insurers when a claim is made. Public Loss Assessors will select a team of qualified specialists who will all be working on your behalf. These qualified professionals will include surveyors, vetted building contractors, drying and restoration specialists and cleaning companies. Public Loss Assessors will reduce the time required to get you back into your property with all aspects of the claim settled.

The insurance company will always select a professional representative usually their own in the event of a claim. It is very important for the policyholders to know that appointed representatives work for the insurance companies and their fees are paid for by the insurers. Sometimes the policyholder is usually left to deal with the insurer who will attempt to minimise their settlement. What is not identified in many cases is the fact that the policyholder has every right to take up that the insurance company will evaluate the terms of the insurance contract, it is not often the case that this actually happens.

Free Loss Assessing

When a valid claim is accepted the policy holder will usually be required to act as a project manager regarding the first stages of repairing the building. You may be expected to do this without any support from your insurers. The guidelines agreed by the FCA state that the loss assessor must assist you with project management. The insurers will tell the policyholder what they are expecting to authorise on behalf of the insurance company and will then appoint a contractor from one of their own preferred contractor networks.

These contractors may be required to work at a national rate, which in certain parts of the UK will be well below the level required for a qualified contractor to be able to carry out quality works. This leads to some warranty problems that the policy holder is left to sort out via the insurer. Sometimes these issues lead to formal complaints, another area of stress and upsetting consequences for the policyholder.

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