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Making An Insurance Claim: Loss Assessor - Oakleafe Claims

Business Interruption, claims handling, Insurance Claim Management, Insurance Claims, Loss Adjuster, Loss Assessor

If this is your first time making an Insurance Claim. You might not be sure where to start, or the process might seem very daunting. It is always good to know what options you have available so the Insurance Claim can run more smoothly without any problems. This is where an Insurance Loss Assessor can help.

Loss Assessor:

Loss Assessors are independent Insurance Claim experts who can take the stress away from your claim. They work for you the policyholder, and only you. Using their expertise knowledge and skills. Loss Assessors will aim to get everything you are entitled to.  It is important to engage a Loss Assessor as early as possible as they can ensure the entire process proceeds in the correct manner and your claim is not prejudiced negatively.

Loss Assessors will take all the stress involved in an Insurance Claim. Furthermore they can conduct meetings and handle all communications with the Insurance Company on your behalf. Loss Assessors are able to effectively use terminology that Insurers understand. They can handle all aspects of the Insurance Claim including both Residential and Commercial. Both are handled very different and need to be approached in a different manner.

Loss Assessors can often hire external professional assistance if a claim becomes complicated. Noteworthy, forensics teams can often be called for to assist in protecting your position in parallel to Insurers own specialists.

Examples of how Loss Assessors will assist with your Insurance Claim:


  • Compiling a list of contents
  • Quantifying and managing buildings claims
  • Preparing and presenting the claim
  • Organising alternative premises


  • Compiling a list of stock and plant damage
  • Quantifying and presenting the buildings claim
  • Calculating Business Interruption
  • Organising interim payments

The Insurance Company Loss Adjuster:

After you have notified your Insurance Company of the incident. Insurance Companies will send in an Insurance Loss Adjuster. It might seem like they are there to help. But they are employed and paid for by the Insurance Companies.

Their only role is to represent the Insurance’s interest and investigate the cause of the incident. Additionally they can try to interrogate you and find any possible faults which might be used to deny the claim. In these scenarios If you say the wrong thing you risk jeopardising your claim. As a result your Insurer can repudiate the claim and you could receive nothing.

They will record and note down evidence which will reported to the Insurance Company. They can also look back  at the history of you and your property to look for any vulnerabilities in the claim.

Difference between Loss Assessors and Loss Adjuster

conflict of interest.jpg

Although Loss Assessors and Loss Adjusters are both Insurance Claim Professionals and sound quite similar, they sit on opposite sides of the fence.


Well, Loss Assessors are there to help you and stand shoulder to shoulder representing you the policyholder and get everything you are entitled to.

Loss Adjusters are the opposite. They are there to find any problems or non compliance with the claim, seeking for ways to to pay out the minimum settlement or even refuse the claim called a repudiation.

Call Oakleafe Claims on 0333 2101 999
for a free Claims Management advice and a no obligation Consultation.

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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.