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Not necessarily. Many property insurance claims are handled directly between the policyholder and their insurer without the need for a loss assessor.
Whether appointing a loss assessor is right for you will depend on the nature of your claim, its complexity and the level of support you would like throughout the claims process.
When might a loss assessor be helpful?
You may wish to consider appointing a loss assessor if:
- your property has suffered significant damage;
- your claim is complex;
- you are struggling to manage the claim yourself;
- you are unsure what your insurance policy covers;
- you are finding the claims process stressful or time-consuming; or
- you would like independent professional assistance throughout the claim.
Every situation is different, which is why we take the time to understand your circumstances before advising whether we believe we can help.
Do I have to appoint a loss assessor?
No.
There is no requirement to appoint a loss assessor, and many policyholders choose to deal directly with their insurer.
Our role is to provide an additional level of professional support where it is needed and where the policyholder believes it would be beneficial.
How do I know if my claim is suitable?
The best place to start is with a conversation.
We’ll ask a few questions about what has happened, explain how the claims process works and discuss whether we believe our involvement is likely to add value.
If we think your claim is straightforward and you are unlikely to benefit from appointing us, we’ll tell you honestly.
What happens if I decide to appoint Imperial Claims Consultants?
If you decide to appoint us, we’ll explain how our service works, the basis on which it is being offered and answer any questions you may have before any work begins.
You should always understand how our service operates before deciding whether to appoint us.
What about your fees?
The way our service is provided will depend on the circumstances of your claim.
Depending on the situation, we may be able to offer our No Win No Fee service or another agreed arrangement.
Whatever the basis of our appointment, we’ll explain it clearly before you decide whether to proceed.
Please also see our FAQ:
“What will it cost me?”
for a full explanation of our charging arrangements.
