Oakleafe Claims - Logo
Oakleafe Claims

How To Deal With Your Insurance Loss Adjuster - Oakleafe Claims

How To Deal With Your Insurance Loss Adjuster
Business Insurance Claim, Fire Claims, Flood Claims, Insurance Claims Handling, Loss Adjuster, Loss Assessor, Storm Claims, water damage

When you file an insurance claim, whether it's for fire loss, flood damage, or any other reason, it's crucial to understand how to interact effectively with your Loss Adjuster. Loss Adjusters specialize in specific industries such as construction and energy, often possessing expertise in areas like forensics or business interruption. Their role is to evaluate and validate the claim on behalf of the insurance company.

To ensure a smooth process when dealing with Loss Adjusters, it's important for claimants to have all the necessary documentation prepared. This includes receipts, proof of ownership, and any relevant police or fire reports or reference numbers.

The primary responsibility of a Loss Adjuster is to investigate the claim. They will visit the property, collect information and documentation, and verify that the claim aligns with the coverage provided by the policy. Their objective is to establish the validity of the claim and determine the appropriate settlement amount based on the coverage.

While Loss Adjusters are expected to maintain impartiality according to a code of standards, it's important to recognize that they work for the insurance company and prioritize their employer's interests. Therefore, they may attempt to settle claims for the lowest amount possible, which can create challenges in establishing trust.

home insurance documents

If the settlement offer falls short of your expectations, it doesn't necessarily indicate a lack of impartiality on the part of the insurance adjuster. In such cases, you have the right to question the offer and negotiate for a fairer settlement. Engaging the services of a Loss Assessor, like Oakleafe Claims, can be highly beneficial in this regard.

There may be instances where it feels like Loss Adjusters are working against you or treating you as a suspect rather than a victim. This is because their primary duty is to prevent fraud, which sometimes requires asking difficult questions. While this experience can be common, if you believe their conduct is unreasonable, you can file a complaint with the Chartered Institute of Loss Adjusters (CILA).

It's important to distinguish between Loss Adjusters and Loss Assessors. Loss Adjusters work for the insurance company, while Loss Assessors work solely for the benefit of the policyholder. Loss Assessors play a supportive role throughout the claims process, assessing the true extent of the loss, assisting with claim filing, organizing documents, and communicating with the insurance company. They also ensure the accuracy and completeness of the claim submission. Loss Assessors possess in-depth knowledge of the damage and can effectively communicate with Loss Adjusters using industry-specific terminology.

If your claim is rejected or you believe the settlement offer is unreasonably low, you can hire an independent Loss Assessor, such as Oakleafe Claims. This ensures you have someone skilled in negotiation to advocate for your best interests. The involvement of a Loss Assessor alone can sometimes lead to an improved settlement offer, as it signals to the insurer that you are not navigating the process alone.

Hiring a Loss Assessor for home or commercial claims has become increasingly common. There is no reason for the insurance company or Loss Adjuster to feel uncomfortable with you seeking additional professional assistance. Loss Assessors can streamline and enhance the entire claims process, promoting efficiency and providing you with a smoother experience.

In conclusion, understanding how to effectively interact with your Loss Adjuster should not be confusing or intimidating. They are professionals involved in the claims process, and as long as you are honest and provide the necessary documentation, the interaction should proceed smoothly. However, due to their role and specialized skills, Loss Adjusters can sometimes seem unapproachable. In such instances, remember that you don't have to face them alone, as services like Oakleafe Claims are available to provide guidance and support.

Related Claims and Topics
March 28, 2024
How to Protect Your Rental Property with Landlord Insurance.

Are you a landlord looking to safeguard your rental property and investment? Landlord insurance is a vital tool that provides protection and peace of mind against various risks and liabilities associated with renting out a property. In this guide, we'll explore everything you need to know about landlord insurance in the UK, including what it […]

Read More
March 26, 2024
Essential Home Insurance Tips for First-Time Buyers

Are you taking the exciting step of purchasing your first home? Congratulations! As you embark on this journey, one crucial aspect to consider is securing the right home insurance policy. Navigating the world of home insurance can seem daunting, but fret not – we've compiled a comprehensive guide tailored specifically for first-time buyers like you. […]

Read More
March 22, 2024
Is Your Home Spring Ready?

As spring approaches, the days become brighter and the weather warms. We look at ways to help prepare your home for the sunny season, ensuring it is in tip-top condition and helping to prevent winter wear and tear or spring showers causing issues that could result in you needing to make a Domestic Insurance Claim. […]

Read More


If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.