Dealing with the aftermath of a loss or damage from an unforeseen circumstance or a disaster can be overwhelming, especially when you discover that you are under-insured. In such situations, the role of a loss assessor becomes particularly crucial. While their primary function is to guide policyholders through the insurance claims process and maximise compensation within policy limits, they can offer invaluable assistance when coverage falls short.
This blog post explores how a loss assessor can still be of tremendous help even when you find yourself under-insured.
While being under-insured can pose significant challenges, enlisting the expertise of a loss assessor can make a substantial difference in navigating the complexities of the claims process. From comprehensive assessments and policy reviews to skilled negotiations and exploring alternative solutions, a loss assessor's role extends far beyond the limits of your coverage. Even in situations where policy limits constrain the compensation available, their ability to advocate on your behalf and maximise available benefits remains a valuable asset.
When facing the aftermath of a loss and discovering that you are under-insured, a loss assessor from Harris Balcombe can be your dedicated partner in securing the compensation you deserve. Contact the team at Harris Balcombe to explore how our loss assessors can assist you in maximising your compensation, even when you find yourself under-insured.
While being under-insured can pose significant challenges, enlisting the expertise of a loss assessor can make a substantial difference in navigating the complexities of the claims process. From comprehensive assessments and policy reviews to skilled negotiations and exploring alternative solutions, a loss assessor's role extends far beyond the limits of your coverage. Even in situations where policy limits constrain the compensation available, their ability to advocate on your behalf and maximise available benefits remains a valuable asset.
When facing the aftermath of a loss and discovering that you are under-insured, a loss assessor from Harris Balcombe can be your dedicated partner in securing the compensation you deserve. Contact the team at Harris Balcombe to explore how our loss assessors can assist you in maximising your compensation, even when you find yourself under-insured.
At this point, you would hope that your insurance company is there to help but unfortunately, this is not always the case. We have known families who have felt intimidated by insurers and have been treated as though they have done something wrong, or are in some way to blame for their situation.
How to respond to a Loss Adjuster
Why they ask
This is to compare your version of events against your policy coverage and timelines.
Smart answer
Always stick to the facts. Avoid speculation or emotional exaggeration.
With a loss assessor
A loss assessor will help you structure your account clearly so you don’t over- or under-share.
How to respond to a Loss Adjuster
Why they ask
They’re basically verifying if the event falls within your coverage period.
Smart answer
Be as specific as possible with the date and time.
Avoid
'I think it was last week sometime...'
Tip
A loss assessor will ensure that this matches other documentation, like alarm logs or photos.
How to respond to a Loss Adjuster
Why they ask
They want to confirm the circumstances and establish liability or negligence.
Smart answer
Answer honestly and clearly, and mention if others were present.
Tip
If others witnessed the event, a loss assessor may advise collecting statements from them to bolster your claim.
How to respond to a Loss Adjuster
Why they ask
They want to validate the items you’re claiming for.
Smart answer
Where possible, provide receipts, invoices, photos or warranty documents.
No receipts?
No stress, a loss assessor may be able to help you establish the value using alternative methods.
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