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The Benefits Of A Loss Assessor Consultant

Apr 4, 2008
An insured loss, while it's an inconvenience and sometimes heartbreaking, is never as bad as an uninsured loss. But when you have insurance, you want to make sure you're getting your money's worth. This is what a loss assessor consultant is for.

Just as an insurance adjuster works through a claim on behalf of the insurance company, a loss assessor consultant works through claims on your behalf, ensuring you get everything you paid for out of your claim.

There are many benefits of using a loss assessor consultant as shown below;

* A loss assessor is your employee, not your insurers; he is there for your best interests, and is not concerned about the needs of the insurance agency. This means you have a knowledgeable expert on your side to offset the insurance claims adjuster, who is working to settle the claim while keeping as much as possible for the insurer.

* A consultant will help you file complex insurance claims paperwork and follow through all the processes of the insurance company. Even initial paperwork can be a nightmare, made worse by the stress of your loss. They will help you fill out and file your initial paperwork, and then follow the claim all the way through to the end, guiding you through the oceans of red tape the insurance company is likely to generate.

* Loss assessors make certain you get the best possible resolution to your claim. This does not necessarily mean that you get every penny you are owed in cash - rather, it means that they get the insurance company to go as far as possible toward restoring your loss completely. Why? Sometimes your damages, if you were to pay to have them repaired or replaced yourself, would cost more than your coverage. The insurer, on the other hand, may be able to have the same work done for you at a much better rate. Your loss assessor will help you work through the pros and cons of this often confusing option.

* Consultants are there to ensure you get everything that you are owed in your claim. Their specialty is finding items that you did not realize you could claim. For instance, an often overlooked part of domestic insurance is damage to your grounds. While some policies do not cover this, others do - but you have to know how to look for it in order to claim it. This is what loss assessor consultants excel at.

* They also make certain that you get your settlement with the minimal possible delay. Partly through ensuring your paperwork is filled out completely and properly, your loss assessor will help you expedite your claim. But it's not just having the paperwork and that will do it. Your loss assessor will also contact appropriate people at the insurance agency, ensuring that the right people have the right information at the right time to get your claim settled.

So as you can see a loss assessor is your best ally in case of a disaster. Don't discount these unique professionals as an unnecessary expense. They can usually save you significantly more than they will cost you, and the time and stress they spare you are priceless.
About the Author
Derek Rogers is a freelance writer who represents a number of UK businesses. For Insurance Claim Services and Loss Assessor Consultants, he recommends Morgan Clark.
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