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When You’re Battling An Insurance Company – There’s Someone Who Can Help

We are foolish indeed if we neglect the need for insurance, but we all detest paying for it. We can all appreciate therefore that loss adjustors, whom the insurers appoint to reduce the value of insurance claims, are doing a necessary job. They’re not only there to make money for the companies and their shareholder, but also to keep your insurance premium to a respectable cost.

And they are highly efficient at so doing. They are professionals after all, who know everything there is to know about insurance law and insurance contracts. They also come from the Hercule Poirot school of inquisition; they are well aware some view their insurance claim as a chance to pull a fast one. It’s a chance for them also. The work of a loss adjustor can save an insurance company thousands, especially on a business claim. Not one stone will be left unturned in this quest. They have memorised the small print and know how to use it to disqualify this or that. They know the things they usually end up coughing up for… and those things they can get away with not picking up the tab for.

Once you lodge a claim, the loss adjustor becomes, in the politest way possible, your enemy. Because of this fundamental conflict of aims, the process for making an insurance claim is frequently stressful. Exactly when you’re likely to be feeling shocked, if not desperate, when you’ve suffered upheaval in your home or business, you encounter someone whose job it is to prevent you from getting what you believe to be your contractual entitlement.

It is in order to redress this unfortunate state of affairs that a new profession has arisen in recent decades: the loss assessor. A counterpart to the loss adjustor, a loss assessor is an insurance expert appointed by the insurance claimant to work exclusively in their interests. If your claim is likely to be large, or there is a strong likelihood of its being contested, it is well worth calling an assessor as soon as the cause of the loss occurs. The assessor will pay you a visit, view the site of the loss with an expert eye and help you prepare a schedule of loss which covers each and every aspect.

They will then basically take over the claim on your behalf, which includes the all-important business of negotiating with the loss adjustors. Frequently, once an assessor becomes involved the adjustor will look to settle quickly, whatever it costs; it’s not worth their time and effort taking on someone who knows as much as they do.

The assessor’s fee is an agreed percentage of the final amount and in almost all cases is easily absorbed by the increase they manage to secure for the client. Why not go to www.trumanassociates.co.uk and learn more about how a loss assessor can alleviate the stress of aiming an insurance claim? You’ll find that you are not alone!

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