If you’ve ever dealt with an insurance claim, you’ll be aware of the job of the loss adjuster. They are the people, put in place by your insurance company, whose job is to find a way to bring down the value of your claim. Unlike you, loss adjusters deal with insurance claims everyday. Hence, they are masters of all the legal technicalities and the various interpretations and wording of insurance contracts This knowledge is used, often ruthlessly, in order to reduce the value of claims.

They manage this in two key ways. First of all, by turning your lack of knowledge in their favour; since the legalities are difficult to comprehend, you are often unaware of the things for which you can claim. Secondly, the adjuster has multiple tricks up his sleeve in the form of legal loopholes which ensure his bosses don’t have to pay out. Mrs S, who had her house completely gutted by tenants growing cannabis, was aghast when her insurers attempted to ‘hide behind small print to reject my claim’. They argued that the grotesque disfigurement to the property was not ‘malicious in nature’.

Loss adjusters are a key component in insurance company profitability. With a larger claim, especially in business insurance, many thousands can be saved through their work.

Fortunately, if you’re making a claim then the means to counteract these forces exists in the form of the loss assessor: an insurance law professional who is going to be working for you. Unlike you, a loss assessor has the legal and technical knowledge necessary to confront the loss adjuster, giving you the protection you need when you’re in a position of (often extreme) weakness. In addition, the assessors will frequently uncover other things for which you can claim, things you would probably not have discovered. Thus, the fee the loss assessor charges is almost always absorbed by the increase in the payout he or she will secure for you.

Mrs S was lucky enough to engage the services of Ray Truman of Truman Associates, pioneers in the field of loss assessment. Truman successfully cited a clause in the contract relating to vandalism and the underwriters were forced to meet the entire £49,000 claim. Ray Truman worked doggedly and with passion to fight on my behalf’ commends Mrs S. ‘Thank goodness for Ray and his determination never to give up and for winning the day in the end.’
When your insurance claim is under attack, loss assessors are there to ride to your rescue.

We all think that our insurance company will be our allies in times of disaster at home or in our business: just contact them with all the details and your insurance claim will be fairly dealt with. You make a list of damaged property, then you get a cheque from your insurers so you can make good the damage, don’t you?

In reality, it’s unlikely to be that easy to make your claim.

There are questions you should consider:
- Have you read your insurance contract thoroughly?
- Do you have precise details of what has been lost, damaged or stolen?
- Can you answer probing questions about whether you could have avoided the incident in the first place?
- Are you ready to put a recovery plan in action, meaning your business and life can go on with as short an interrption as possible?
- Do you know how much you have to pay for cleaning?
- Do you know how much unseen damage has occurred through smoke, damp or weakening of structures?
- Do you need help with putting in a separate business interruption claim?
- Can you cope with the stesses and strains of dealing with your effectively claim from beginning to a successful conclusion?

Do you know how you can get professional help with dealing with the whole process of settling an insurance claim successfully? No matter how helpful they are, an insurance company is a business. Although it’s their job to settle insurance claims fairly, they also have to look after their shareholders by paying out as little as they have to. To help minimise their settlements, they have their own loss adjusters, whose job it is to reduce the size of their settlements. Loss adjusters have years of experience in dealing with insurance claims, it’s their job.

Did you know that you can also employ your own team of specialists who can help you with your claim? Just like the loss adjusters, they have years of experience in dealing with insurance claims, but for people like you and not the insurance company!

These insurance loss assessors know exactly how to deal with a claim to ensure the best settlement. As insurance professionals they are no strangers to small print, and they can also help with the unexpected consequences of a flood, storm, fire or burglary. And because the disaster has not happened to them, they can deal with it in a methodical and thorough way, right the way through from start to finish.

Your insurance company employs loss adjusters to minimise the amount they pay out. You can employ your own loss assessors to maximise the amount you get paid out. Contact insurance loss assessors for insurance claim advice. After all, it’s only fair.

You can never be sure when it comes to the weather, but you can be sure you’re in good hands with a Loss Assessor. The sun can be such a nice present from mother nature, but what about when there is constant rainfall? Leaving us with a flooding disaster.

How would it affect your business if a flood disaster should occur? If you needed to make a claim against flooding, how would you go about it?

When you are making a flood claim, or any claim for that matter can create a lot of confusion. Has your insurance company ever made you feel like you are the problem in all this? Maybe you have a friend who has had a bad experience with their insurance company? Making a claim on your home or business insurance is often not as simple as you would hope.

If a flooding disaster strikes and you need to make an insurance claim, you should enlist the help of your own insurance Loss Assessor for insurance claim advice, as soon as possible. If you want a reputable company with 30 years experience, contact Truman Associates. They can maximise your insurance entitlement and offer their expertise at a reasonable price.

With unpredictable weather it’s important to ensure you’ve got your business covered and protected against flooding. You may think that you can turn to your insurer because you’re covered, and your insurance policy will pay for any loss and damage to your business. Not necessarily!

Before you pick up the phone to your insurance company for insurance claim advice, contact a Loss Assessor at Truman Associates. They will assess the situation and advise you on the best action to take – before you contact your insurance company. It’s important that you contact your Loss Assessor as soon as possible if you need to make a claim against flood damage.

In order to ensure you maximise your settlement you must set your claim strategy right from the beginning. Unfortunately insurance companies aren’t necessarily always on your side, and they will do the best they can to ensure your claim is minimal.
But with experienced Loss Assessors like Truman Associates helping you, you get the insurance settlement your business needs.

Ask the experts at Truman Associates and leave no questions unturned! You can contact them for free in the UK on 0800 542 16 16. Their website is http://www.trumanassociates.co.uk for more information.