Why use a Loss Assessor?

What is the advantage of using a loss assessor to make your insurance claim?

Most of us assume that we're well insured and that there'll be no problem when it comes to claiming what we believe to be the full amount of the loss or damage we may suffer. If only it were that simple! Anyone who's lived through such a misfortune in their home or business will tell you this is far from the case.

An insurance policy is easy to buy, but making a justifiable claim is now very time consuming and increasingly complex. Insurance companies employ loss adjusters to protect their interests - not yours. At OCAD we provide a complete claim management service, valuable support and professional advice to you, the policyholder. We will ensure that your claim is settled fairly and quickly, and that you receive everything you're entitled to.

A fire in the home is a traumatic experience for the whole family. Physical damage from the fire can extend into areas not visible and the soot will find its way into every nook and cranny in the house. The soot is corrosive and will eat into the electronic components of TVs, Videos, DVDs and so on.

Many issues need to be addressed, such as:

  • Where do you stay while repairs are being carried out?
  • How long will it take?
  • Do you have to use the insurance company's surveyors and contractors?
  • Who decides what work has to be done?
  • How will you know if the work is being carried out correctly?
  • Who will prepare the contents and compensation claims?
  • How will you know you're getting what you're entitled to?
  • Who will co-ordinate the claims and deal with the daily telephone calls, meetings with the insurance company, loss adjuster, surveyor, contractors, suppliers etc?

Unless you appoint a claims consultant like OCAD, you as the policyholder are responsible for all of the above - and a lot more besides.

Don't forget - the loss adjuster works for the insurance company and is only interested in looking at the costs once they have been presented to him. He is not responsible for preparing your claim. Even if outwardly friendly and helpful, the loss adjuster reports to the insurance company and must settle the claim as economically as he can. Unless you happen to be an insurance expert yourself, you simply won't know whether what he is telling you is correct or not, or whether are getting what you're entitled to. Even if you're able to reach agreement with the loss adjuster, it is becoming increasingly common for the insurance company to reject their recommendations and try to adjust the claim downwards.

Engaging specialists like OCAD to look after your interests is the only way you can be truly sure that your property is reinstated correctly, and that you receive your full entitlement in all respects.

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