Can I Get My Own Independent Loss Adjuster? - Oakleafe Claims

The short answer is, yes you can.

The question you want to answer is, 'Can I get my own independent loss adjuster to support me?' The short answer is yes. But who are loss adjusters? How can they help? And are they the best people to help you settle your claim successfully?

Who Are Independent Loss Adjusters?

Independent loss adjusters are qualified experts at managing insurance claims. They provide support, guidance, and knowledge as insurance professionals with a full understanding of insurance coverage, procedures, and claims. They are typically employed by insurance companies to assess and oversee particularly complex and costly insurance claims. They are responsible for establishing the cause of a loss and determining whether the insurance policy covers it.

An Insurance Claims Adjuster is supposed to act impartially and provide an unbiased representation of an insurance claim. However, insurers will ask their employees to conduct their investigations in a manner that focuses on outcomes that favour the insurer. For example, they may be asked to look out for confusing details surrounding the circumstances of the claim, as ambiguity could help the insurer avoid liability.

Independent Adjusters are most often employed by insurance companies to investigate a complex or substantial claim. Very rarely are they appointed by policyholders. No matter whose behalf they are working on, an insurance claims adjuster should remain unbiased and focused on assessing the facts using their expert opinion. Their conclusions and reports should be proven with evidence and professional knowledge rather than speculative.

What Is The Role Of An Independent Loss Adjuster?

An Insurance Claims Adjuster is employed to determine two main points: whether the policy covers the loss/damage of the claim and the amount that should be awarded. Sometimes, the loss adjuster is given delegated authority, otherwise understood as full authority, to settle the claim on the insurer's behalf. Alternatively, the loss adjusters may be asked only to support the negotiations with guidance and recommendations.

During their claim assessment, loss adjusters will ask various questions to understand the full circumstances surrounding your claim. They will gather information through your responses to their questions and by viewing the damage and loss to your property. The information they collect will be used to create a report, which is sent to the insurance company. This report carries a great deal of weight in settling the details of your claim.

Policyholders are not usually given a copy of the loss adjusters' report. However, you can ask for the loss adjusters' conclusions and how they reached them. If you disagree with the loss adjusters' findings, you can ask for further explanations, including how your policy conditions specifically influence the claim. You can also ask how you will challenge any of the verdicts drawn from the assessment. Any issues you have about the loss adjusters' conduct should be raised immediately. If your concerns are not addressed, take them to the establishment directly.

Can I Appoint An Independent Loss Adjuster?

Yes. All policyholders retain the right to appoint an independent loss adjuster to support their commercial or domestic insurance claim. A loss adjuster will guide and assess your claim, providing you with the knowledge and skills to reach a successful outcome. This is particularly important if your insurer contracts a loss adjuster like Questgates to work on their behalf. Utilising a loss adjuster's services usually indicates the claim's complexity. If your insurer has one on their side, it would be wise to appoint one to represent you also.

An independent loss adjuster can coordinate emergency work, prepare details of your claim, negotiate with all representatives, and settle an agreed-upon payout. This is all highly beneficial when competing against insurers and loss adjusters such as Questgates. But are independent loss adjusters the best people to represent you? Insurers typically contract them; therefore, they can be expensive to hire and harder to appoint to work on your behalf.

Should I Appoint An Independent Loss Adjuster?

Independent loss adjusters are experts at assessing claims and understanding complicated insurance policies. Their expertise typically remains with representing insurance companies, but they are independent professionals trained to stay unbiased. If you appoint one to assist you with your claim, they will assess and conclude their findings impartially, delivering clear conclusions from their gathered information.

However, you may find that many independent loss adjusters only work on behalf of insurers as this provides them with a more reliable workload and competitive income. Instead it would be more worthwhile to contact insurance claims professionals with specific skills and experience at handling claims on behalf of the policyholder.

Loss assessors such as Oakleafe Claims are independent insurance experts who work solely on behalf of policyholders. They have the same knowledge and proficiency as loss adjusters, yet their purpose explicitly supports policyholders. They only ever work on your behalf. For this reason, they can be trusted to handle your claim expertly and correctly. Loss assessors work like independent loss adjusters, with the added value of experience and authenticity representing policyholders. They know the common mishaps, pitfalls and biases that loss adjusters and insurance companies use. They have the skills to guide and support you through a complex claims process. Their values lie in encouraging and assisting you, the policyholder specifically.

You are doing your best to navigate through your claim process, and you're informed that Questgates Loss Adjusters are coming to see you on behalf of your insurer. As the UK's leading specialist loss adjusters, they are experts in insurance and complex claims. The prospect of successfully managing your claim is already daunting, and now you feel even more intimidated by the thought of specialist loss adjusters representing your insurer.

Questgates is the UK's leading specialist loss adjuster. If they contact you on behalf of your insurer, you know your insurance company is taking your claim seriously. Employing such a loss adjuster indicates your claim is complex and substantial. For these reasons, you should consider appointing your own representative to support your side of the claim, such as Oakleafe Claims.

Conclusion

As a policyholder, you can employ your loss adjuster to back up your claim, whether for a commercial or domestic claim. Loss adjusters are professionals with expert knowledge of claim assessments, reports, insurance policies and settlements. However, loss adjusters are typically employed by insurance companies, making them expensive and complicated to come by. Loss assessors such as Oakleafe Claims, on the other hand, operate with the sole purpose of supporting policyholders with their claims. They, too, have expert knowledge and experience in insurance claims. More importantly, they have the relevant insight and skills to assist policyholders. They can offer you the guidance, encouragement and expertise you need to proficiently handle your claim, no matter who you are negotiating with.