Difference between Loss Adjusters & Loss Assessors

by Adam Bishop on November 23, 2010

Have you ever wondered what a Loss Adjustor is?  What about a Loss Assessor?  Perhaps you already know roughly what they both do but would like to know more?

The following article will attempt to elucidate!


  1. What is a Loss Adjuster?
  2. What does a Loss Adjuster do?
  3. What is a Loss Assessor?
  4. What does a Loss Adssessor do?

What is a Loss Adjuster?

Loss adjusters are independant claims specialists who investigate complex or contentious claims on behalf of insurance companies.

All fees are paid by the insurance company in addition to the claim settlement.

What does a Loss Adjuster do?

The Loss Adjusters first role is to establish the cause of the loss and whether it is covered by the insurance policy.

They then write a report to the insurance company assessing the validity of the claim and recommending appropriate payment.

The main roles of the Loss Adjuster are to ;

a) visit the site of a loss to survey and assess the damage
b) Record details of the loss with photographs if possible
c) ensure that the site is secure after the loss by having doors and windows boarded up. This is vital to prevent any further losses occurring which might increase the claim still further
d) Recommending local repairers
e) Advise the policyholder and the insurance company on the most suitable way to carry out repairs by issuing a full report
f) Investigate and suspicious claims by inspecting records to establish that the property being claimed for existed
g) Liaise with other insurers to negotiate the spread of liability

What is a Loss Assessor?

A Loss Assessor is appointed by the policyholder when they need to submit a substantial or complex claim.

All fees are paid by the Policyholder.

What does a Loss Assessor do?

Loss Assessors will handle all aspects of the claims process, including;

a) Meeting with insurance company representatives or their appointed Loss Adjusters
b) Preparing the claim
c) Negotiate the best possible settlement of the claim
d) Deal with cases where a claim has initially been declined by the insurance company or where problems or delays have occurred in agreeing settlement

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