Understanding Different Claims Professionals

If you’re dealing with an insurance claim, you might come across various job titles—each with different qualifications, responsibilities, and levels of expertise. Here’s a breakdown of the key roles:

1. Loss Adjusters – Working for the Insurer

✔ Typically Chartered and fully qualified – Members of the Chartered Institute of Loss Adjusters (CILA).
✔ Appointed by insurers to investigate claims and protect the insurer’s interests.
✔ Expected to act independently, but their priority is often cost control for the insurer.

💡 Reality Check: Although they should be unbiased, their primary obligation is to the insurer—not you.

2. Loss Assessors – Working for the Policyholder

✔ Not required to have insurance qualifications, though some are highly skilled.
✔ Regulated by the Financial Conduct Authority (FCA) but standards vary widely.
✔ Often approach policyholders after hearing about claims via social media, news, or emergency services.

⚠ Risk: Many lack experience or professionalism, leading to poor representation.

3. Claims Consultants (Us!) – Working for You

✔ Hold Chartered qualifications—just like insurer-appointed Loss Adjusters.
✔ Work exclusively for policyholders, ensuring you get the best possible settlement.
✔ Have years of experience handling claims for major UK insurers—we understand both sides of the process.
✔ Specialists in policy wording, claim negotiation, and insurer tactics.

💡 Why Choose a Claims Consultant?
Unlike Loss Assessors, we have the highest industry qualifications. Unlike Loss Adjusters, we work for you, not the insurer.

Avoiding Pitfalls: Choosing the Right Representative

✅ Verify Credentials – Check if the firm is genuinely affiliated with the Chartered Insurance Institute (CII) or CILA. Many claim to be, but have no real accreditation.

✅ Confirm Individual Qualifications – Ensure the person handling your claim is actually qualified, not just “overseen” by someone who is.

✅ Do Your Research – Don’t be swayed by flashy websites or cold calls—choose a firm with proven expertise and experience.

📞 Need expert representation? Contact us to discuss your claim.