Your insurance broker and a loss assessor perform different roles, and in many cases they can both remain involved during your insurance claim.
A good insurance broker can be extremely valuable. Your broker may have helped you arrange your insurance cover, understand the options available when the policy was placed and communicate with the insurer when a claim is first reported.
Imperial Claims Consultants provides a different service. We act on behalf of policyholders in relation to property insurance claims.
What is the role of my insurance broker?
An insurance broker’s role will depend on the services they provide and the arrangements they have with you.
Typically, a broker may help you arrange insurance cover, discuss your insurance requirements and assist with communication when a claim is reported.
Some brokers also provide claims support to their clients.
We do not suggest that every insurance broker provides the same level or type of claims assistance.
What does Imperial Claims Consultants do differently?
Imperial Claims Consultants specialises in assisting policyholders with property insurance claims.
Where we are appointed, our role may include reviewing the circumstances of the loss and relevant policy documentation, helping you understand the claims process, reviewing available evidence and liaising with the insurer, loss adjuster, surveyors and other relevant parties.
We act on behalf of the policyholder in relation to the insurance claim.
We do not act for insurance companies.
M&D Claims Consultants Ltd, trading as Imperial Claims Consultants, is authorised and regulated by the Financial Conduct Authority (FRN 1011508).
Does appointing Imperial Claims Consultants mean I stop using my broker?
No, not necessarily.
Your broker may remain involved and continue to assist you in relation to your wider insurance arrangements.
Where appropriate, Imperial Claims Consultants can liaise with your broker and other relevant parties while providing professional assistance in relation to the property insurance claim.
It does not have to be a choice between your broker and a loss assessor.
Why might I appoint a loss assessor if I already have a broker?
A significant property insurance claim can involve detailed policy wording, evidence, reports, meetings and ongoing communication with the insurer and its appointed representatives.
You may decide that you would benefit from appointing a professional whose role is specifically focused on assisting you with the insurance claim.
This may be particularly relevant where the property damage is significant, the claim is complex, the claim is taking considerable time to manage or you are experiencing difficulties during the claims process.
Whether you need a loss assessor will depend on your individual circumstances and the level of claims assistance already available to you.
Can my insurance broker work with Imperial Claims Consultants?
Yes.
We are happy to work professionally alongside insurance brokers where this is appropriate and in the interests of the policyholder.
We believe clear communication between the policyholder and the relevant professionals involved can help everyone understand their respective roles during the claims process.
How do I know whether I need additional claims assistance?
If you already have an insurance broker, you may wish to understand what claims assistance they are able to provide and compare this with the professional support you require.
If you have suffered significant property damage or are experiencing difficulties with a property insurance claim, you can contact Imperial Claims Consultants and explain what has happened.
We can carry out an initial review of your situation and explain whether we believe we may be able to assist.
If we do not believe you require our assistance or that we are the right organisation to help with your particular claim, we will tell you.
