What’s the difference between a loss assessor or loss adjuster?

While they might sound similar, the roles of a loss assessor and a loss adjuster should never be confused.

Understanding the difference between the two could save you a considerable amount of time and anxiety in the event of a home insurance claim or other loss.

It could also result in a big difference in the payout you receive from your insurance company.

In this blog post, we explore the difference between a loss assessor and a loss adjuster, and why appointing a loss assessor to handle your insurance claim can get you back on your feet faster after a loss.  

What is a loss assessor?

There are many benefits to hiring an independent loss assessor.

A loss assessor acts on your behalf to negotiate the best settlement under the terms of your insurance policy. 

A loss assessor will take the time to thoroughly assess your loss and handle all the paperwork associated with your claim.

They will also prepare & submit your claim and liaise with your insurance company to relieve you of the stress of making a claim.

A loss assessor is hired by the policyholder, not the insurance company, and typically is paid by the policyholder from the proceeds of their insurance settlement.

However, it is important to keep in mind that a loss assessor will normally achieve a larger insurance payout than if the policyholder were to lodge and handle the insurance claim themselves.

What is a loss adjuster?

Insurance companies appoint loss adjusters to investigate policy holders’ claims.

Loss adjusters are paid by the insurance company they work for – a key indicator that they don’t act on your behalf – when assessing the value of your loss.

A loss adjuster will not prepare the paperwork for your claim, and they won’t negotiate with your insurance company on your behalf to get the best pay-out under your policy terms. 

Why appoint an independent insurance loss assessor?

It’s normal to feel shock, confusion and anguish in the aftermath of a loss, so the last thing you need to be worried about is the claims process and navigating your insurer’s claim requirements, which can be time consuming and complex.

When you hire a loss assessor, you hire an insurance claim partner who acts in your best interests to help you secure the very best insurance pay-out according to the terms of your policy schedule.

Your loss assessor will relieve you of the time and anxiety involved in lodging a claim with your insurer and will complete all the paperwork according to the specific requirements of your insurer.

A loss assessor will also take away the angst of liaising with your insurer to discuss the different aspects of your claim, responding to all the day-to-day correspondence about your claim, and follow-up any actions your insurer needs.

Furthermore, at CMG, our specialist independent insurance loss assessors have in-depth knowledge of insurance policy wording which is an essential part of securing the maximum settlement under your policy.

We are also focused on supporting you throughout the entire claims process to make the experience as hassle and worry free as possible.

If you think you have a claim, you should always phone CMG before your insurer.

We’ll be there to provide you with step-by-step advice and can even provide support in the aftermath of a loss such as arranging emergency repairs, accommodation, and more.

To find out more about the role of a loss assessor, and how CMG can add value to your claim, call CMG today on 0818 118 118 (ROI) or

028 8224 9015 (NI), or find out more online at claimmanagementgroup.com .