Loss Assessors vs Loss Adjusters










Loss Adjusters Work For Your Insurance Company Not You!

Usually most people take out insurance policy cover to mitigate risk against any kind of incident that causes damage to their property. Should a calamitous event incur that results in damage, the person should be covered by the insurance provider in most normal cases.

But sometimes it is quite difficult to get a fair payout from an insurance company. This is because they may try to scale down the incident’s resultant damage so they can pay out much less money than the “full” monies legally due to the client.

After a person files a building insurance claim with their insurer, the insurance company will normally call on the services of a loss adjusting professional whose job is to evaluate the loss to their home.

After this inspection has been carried out, the loss adjuster will send a claim report to the insured person’s insurance provider detailing the scope and extent of damage caused and also the sum of money that should be used as the target settlement for the claim.

In essence, the loss adjuster acts in the interests of the insurance company who employ him. A good loss adjuster in the eyes of an insurance company will always seek to minimise the prospective claim payouts their insurance company employer is seeking to settle against.

So to avoid a low insurance claim payout, you can actually work with an independent loss assessor who deals with your insurance company on your behalf.  A loss assessors primary function is to ensure that their client receives the optimal payment covering all the damage and loss experienced as covered by all the clauses outlined in their insurance policy.

You can find out more about loss assessors  services here:

Cherry and Griffiths Loss Assessors and Claims Consultants

The Packet House

Barton Rd



Greater Manchester

M28 2PB

0844 822 3623


While the insurance provider’s loss adjuster records all the obvious damage, your loss assessor researches your insurance coverage policy clauses and utilises them to obtain a full, fair and reasonable settlement against your claim For example, should a flood have affected the building, a loss assessor will be responsible for identifying all hidden damage and seeking quotes for remedial work from restoration contractors.  

Insurance providers have also been known to “drag out” their admin processes and paper work required to resolve your claims. On the other hand, loss assessors that have decades of experience can be of great assistance helping you with your claims submission.

They help you right from the moment the flood, fire or burglary damage takes place on your property and remove all the stress you might otherwise have to bear if you settled the claim yourself. But most important of all they do all the negotiating with your insurance company!

When it boils down to designating insurance policy liability, each type of damage normally falls under a specific policy clause outlining the risk and cover for that particular condition. In these situations, differences of opinion between loss adjusters and loss assessors can occur!

An insurance loss adjuster will certainly view the case in terms of the savings they can make for the insurance company. However, a loss assessor evaluates each case in line with replacement costs at prevailing market prices. They never think about cost reduction for the insurance company, only claims settlement maximisation for their client.

At the end of the day, a lot of insurance company’s loss adjusters are often viewed as the claimant’s “hidden opponent” and that only a skilled loss assessor can negotiate with them to obtain a fair minded legal settlement against their client’s claim.

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Why You Should Use A Loss Assessor When Making An Insurance Claim

The second your business has suffered from a stressful occurrence like a hurricane in your residence, the very last thing you need to have then is a difficult insurance coverage claim. Nonetheless, if you abide by the ideal course of action, you are most likely to obtain a good result.

Regardless of the fact that the procedure may possibly be difficult and also demanding on your time, you have to find out how to work through the household insurance policy claim system correctly, if you wish to get compensated for your losses.

A number of things are involved in producing an insurance coverage claim. As an example, you may be obligated to arrange a visit from the insurer's loss adjuster, take photos of damage, provide photocopies of invoices for lost or possibly ruined commercial property and even get quotes for maintenance and repairs. Should you recognize exactly how the insurance plan claims system functions, you are most likely to obtain the fair settlement in a well timed fashion.

For small company property owners, a loss adjuster could be the vital link in between your business and your insurance provider in order to warrant your insurance coverage claim submission pays out in the event where you will need to make a claim.

A theft, fire or unexpected tragedy can perhaps damage a household or maybe small business, unless ample insurance cover is provided.

Even though adequate insurance policy cover is in place, quite often insurance companies try to limit the quantity which they pay for insurance claims. That is exactly where a loss adjuster may be of great service. That is due to the fact that these experts are unbiased and have great expertise and expertise as respects the insurance policy claims procedure. A loss assessor have the ability to secure their customer a complete and fair payment from their insurer.

A firm of trusted and reliable loss assessors will definitely will act in your best interests in order to check damage to the property and make certain the right claim is made and to ensure that you should not be held liable with regard to any undeserved expense.


The insurance claims procedure may be really bewildering and a home owner's or small business's ownership of equipment will need to be verified by providing necessary paperwork. This can prove troublesome in case that the documents have been eliminated as a result of a storm or fire. On top of that, a large insurance claim will definitely mandate the applicant to present considerable verification about the nature and also the degree of damage due to a theft,storm,fire or flood

The instant it comes to creating a claim, it's up to you to start speaking with insurance provider and also their staff, in addition to attempting to analyze the loss yourself. In addition to controlling a business organisation, this can easily prove to be significantly nerve-wracking. But, there is a remedy to remove the burden away from yourself.

As a company owner, you are empowered to recruit an autonomous insurance claims consultant in order to help you secure the settlement you will need to get your business organization back to where it was before the damage.

Due to the fact that a loss adjuster is nondiscriminatory, these experts adopt a procedure that is performed in your interests not the interest of the insurance provider.

Hence, they are performing exclusively for yourself making sure that your insurance company awards you a complete and a reasonable claim pay out.

As a middleman between your insurer and yourself, a insurance claims consultant may work miracles in order to get your company back up running once more. This could well involve getting an intermediate claim payment from your insurance firm or maybe creating short-term facilities to operate your enterprise from.

Most importantly, a loss assessor will supply you the spare time to focus back on looking after your small business, instead of spending time setting up insurance plan claims.