• About
  • Clients
  • Resources
  • News
  • Reasons Why People Choose Us
  • Birmingham & Midlands
  • Exeter & South West
  • Glasgow & Scotland
  • Leeds & North East
  • London
  • Manchester & North West
  • FAQ

Navigating the Claims Process: Unravelling the Difference Between Loss Assessors and Loss Adjusters

19th Jan 2024

In the aftermath of a disaster or unforeseen event such as a fire, flood or burst pipe, navigating the complex landscape of insurance claims can be a daunting task. Policyholders often find themselves grappling with the intricacies of the claims process, seeking professional assistance to ensure fair compensation for their losses. Two key players in this arena are loss assessors and loss adjusters—roles that, while seemingly similar, serve distinct functions within the insurance realm.

Understanding the Basics

Before delving into the differences, it's crucial to comprehend the fundamental roles of both loss assessors and loss adjusters.

  • Loss Assessor:
    A loss assessor, such as Harris Balcombe, is an independent professional / professional agency hired by the policyholder to represent their interests in the claims process. Their primary responsibility is to assess and quantify the extent of the loss, compile a comprehensive claim, and negotiate with the insurance company on behalf of the policyholder to secure a fair settlement. Loss assessors work exclusively for the insured party, advocating for their rights and maximising the compensation they receive.
  • Loss Adjuster:
    On the other hand, a loss adjuster is appointed by the insurance company to investigate and assess the validity of a claim. Loss adjusters are employed to ensure that the insurer pays out a reasonable and accurate amount based on the terms of the policy. Unlike loss assessors, loss adjusters work on behalf of the insurance company, aiming to strike a balance between the interests of the insurer and the insured.

Divergent Objectives

The primary disparity between loss assessors and loss adjusters lies in their objectives and allegiances during the claims process.

  • Loss Assessor:
    Loss assessors exclusively represent the policyholder's interests. Their main goal is to ensure that the insured party receives the maximum compensation entitled to them under the terms of their insurance policy. They act as advocates for the policyholder, utilising their expertise to navigate the often intricate claims process and negotiate with the insurance company for a favourable outcome.
  • Loss Adjuster:
    Loss adjusters, being appointed by the insurance company, work to safeguard the interests of the insurer. Their primary task is to investigate the claim, assess the validity of the loss, and determine the appropriate amount to be paid out based on the terms and conditions of the policy. While their role is not adversarial, loss adjusters are responsible for maintaining a fair balance between the insurer and the insured.

The Claim Process

The dynamic interplay between loss assessors and loss adjusters is a delicate dance that unfolds during the claims process.

  • Initial Assessment:
    Loss assessors step in early in the process, conducting a thorough assessment of the loss on behalf of the policyholder. Their goal is to present a compelling case to the insurance company, outlining the full extent of the damages and the corresponding financial impact.

    Meanwhile, loss adjusters, appointed by the insurer, conduct their independent investigation to verify the details of the claim. This involves scrutinising the circumstances surrounding the loss, assessing the policy coverage, and determining the validity of the claim.
  • Negotiation and Settlement:
    Armed with their findings, loss assessors engage in negotiations with the insurance company to secure a fair settlement for the policyholder. They leverage their expertise in insurance policies and claims procedures to advocate for the maximum compensation possible.

    Loss adjusters, on the other hand, evaluate the loss and collaborate with the insurance company to arrive at a reasonable settlement. Their objective is to ensure that the insurer fulfils its contractual obligations while maintaining a balance between the interests of both parties.

Making an Informed Decision

When faced with the aftermath of a loss, policyholders must make an informed decision about whether to enlist the services of a loss assessor or navigate the claims process independently.

  • Benefits of Hiring a Loss Assessor:

    • Expert Advocacy: Loss assessors bring specialised knowledge of insurance policies and claims procedures, offering expert guidance to policyholders.
    • Time and Stress Management: Handling a claim can be overwhelming; loss assessors alleviate this burden by managing the entire process on behalf of the insured party.
    • Maximising Compensation: Loss assessors are skilled negotiators, working tirelessly to secure the highest possible compensation for the policyholder.

  • Benefits of Relying on a Loss Adjuster:

    • Impartial Assessment: Most loss adjusters provide an impartial evaluation of the claim, ensuring that the insurance company pays a fair and accurate amount based on policy terms.
    • Industry Insight: Some loss adjusters possess in-depth knowledge of insurance practices, enabling them to navigate the complexities of claims with efficiency.

In conclusion, while loss assessors and loss adjusters share a common goal of facilitating the claims process, their roles and allegiances are distinct. Policyholders must carefully consider their needs, preferences, and the specific circumstances of their claim when deciding whether to enlist the services of a loss assessor or to just trust the loss adjuster. Ultimately, the right choice can make a significant difference in the outcome of an insurance claim, ensuring that policyholders receive the compensation they deserve in the aftermath of a loss.

If you’d like to learn more about Harris Balcombe could assist you, find out more about us here.




At this point, you would hope that your insurance company is there to help but unfortunately this is not 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.

  • Over 5000
    Successful Claims
    As the UK’s leading insurance claims consultants, you can be confident you have the best team on your side
  • Best Assessors
    Unlike other parties involved in the claims process, you are our sole priority
  • Minimise Stress
    Keep stress to a minimum by managing all aspects of the claims process
  • Get your entitlement
    Get the compensation you are entitled to by negotiating with insurers on your behalf
  • Get your life back
    Get back to normal life as quickly as possible by organising any support you need


Hassle free, no obligations is how we operate. So if you’d like to speak to us call our 24/7 Helpline on 03300229179 or email us at info@harrisbalcombe.com. Or simply click the button below ...