Loss Adjuster vs Loss Assessor | Who’s on Your Side?
When you make an insurance claim, two professionals may become involved: a loss adjuster and a loss assessor. Both play important roles, but they represent different sides of the process. Understanding who does what can make all the difference to your outcome.
Loss Adjuster – Represents the Insurer
A loss adjuster is appointed by your insurance company. Their job is to assess the claim, confirm that it meets the policy terms, and report back to the insurer. They act as the insurer’s representative, helping ensure the claim is dealt with fairly and in accordance with the policy.
Loss adjusters are experienced professionals, and we often work closely with them to make sure claims are managed efficiently and transparently.
Loss Assessor – Represents You
A loss assessor, like us at Property Claims Assessors, works exclusively for you, the policyholder. Our role is to take the stress and uncertainty out of the claims process.
We handle the paperwork, evidence, negotiations and communication with the insurer’s team, ensuring your claim is presented clearly and in full. On average, our clients achieve 30–40% higher settlements once we are instructed, simply because we know how to make sure every valid part of a claim is included and supported.
A Professional, Collaborative Approach
Having a loss assessor on your side means your claim is handled pragmatically and professionally. We engage with the insurer’s loss adjuster on an equal, expert level, ensuring discussions stay productive and focused on reaching a fair and timely resolution.
It is not about conflict; it is about balance. You have someone experienced representing your interests, while the insurer has theirs. That is how claims get resolved smoothly and fairly.
Your Claim, Our Expertise
Insurance claims can be complex and time-consuming, but you do not have to face them alone. At Property Claims Assessors, we are here to support you from start to finish, giving you confidence, clarity and the best possible outcome.
Ready to talk about your claim?
Get in touch today for a free, no-obligation chat with one of our experienced assessors. Let us make sure your claim is handled properly and that you receive the settlement you truly deserve.