Irish Loss Assessors has been set up to provide you with practical advice on hiring a loss assessor in Ireland.
What does a loss assessor do?
A loss assessor works for the insurance policy holder when they are making an insurance claim. Usually a policy holder will engage a loss assessor to handle a claim on their behalf, in order to make a stronger claim in a shorter period of time, and to remove the stress of dealing with the insurance company themselves. A loss assessor is typically only engaged for substantial insurance claims.
The functions of a loss assessor include:
- The assessor must evaluate the existing insurance policy and determine what cover is available for the specific type of claim.
- An assessor identifies the full extent of loss or damage to buildings or contents and any other expenses that are relevant to the claim.
- If it is a business claim, the assessor must calculate business interruption losses and extra expenses such as increased costs of working.
- The insurance claim is prepared by the loss assessor.
- The assessor is has the task of negotiating a settlement with the insurance company and their loss adjuster.
Guidelines on how to choose a loss assessor:
- Check that the loss assessor company is registered and authorised by the relevant regulatory agencies.
- Check that there are qualified professionals working within the firm, such as chartered surveyors or accountants.
- Make sure that the company has full professional indemnity insurance.
- Check out the company’s website and testimonials – getting a feel for the company through their website and reading other peoples experiences is the best way to decide which loss assessor company is the right choice for you.
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Contact Irish loss Assessors today