Independent Loss Adjusters & Assessors Who Work For You, Not the Insurer

Independent Loss Adjusters help homeowners, landlords and businesses to prepare, manage and negotiate their property insurance claims – protecting your position, reducing the burden and helping you pursue a fair settlement under your policy.

FCA Authorised and Regulated (FRN 979706) | CILA-Member Claims Managers | Free Initial Advice | UK-Wide Loss Adjusting Support

Property Insurance Claim Support For Homeowners, Landlords And Businesses

Homeowners

If your home has been damaged, our property claim specialists provide home insurance claim help, review the evidence and help you work towards a fair settlement under your policy.

Business Owners

When property damage affects trading, our insurance claims specialists help with commercial property claims, review the claim, quantify the loss and keep the process moving with clear evidence.

Landlords

For landlord insurance claim support, our loss assessors help protect the property position, review the claim evidence, support loss assessment and reduce avoidable delays where possible.

We Work For You, Not The Insurer

Independent Support When The Insurer Appoints A Loss Adjuster

When your insurer appoints a loss adjuster, it can be difficult to know whether their assessment fully reflects your position. However, ILA is different. Policyholders appoint us to provide an independent insurance claim review, check the damage, assess the evidence, consider the policy wording and help you understand what should happen next.

This matters because property insurance claims often involve technical detail, repair costs, reinstatement decisions, insurer communication and negotiation. With ILA, you have policyholder-focused claim support from a team experienced in loss adjusting, claim preparation and settlement review.

Property Insurance Claims We Help With

In addition, our insurance claim support covers a wide range of property damage claims, from initial claim assessment through to evidence review, negotiation and settlement discussions.

Flood Damage Claims

Burst pipes, flooding or damage from an escape of water? Our claims consultants help investigate the damage, quantify the loss, prepare claim evidence and negotiate with insurers on your behalf

Flood Damage Insurance Claim Help

Fire Damage Claims

Our specialist loss adjusters provide fire damage claim support by reviewing the damage, evidence, recovery costs, reinstatement costs and repair position so we can assess the claim properly.

Fire Damage Insurance Claim Help

Business Interruption Claims

Business disruption, loss or property damage? Our insurance claim advisers review the figures, evidence, policy position and financial loss and, as a result, present your business interruption claim clearly.

Business Interruption Claim Help

Malicious Damage Claims

Vandalism or deliberate damage? Our property claims advisers review the damage, supporting documents, claim circumstances and policy position to help present the claim clearly.

Malicious Damage Insurance Claim Assistance

Impact Damage Claims

Unexpected collision or structural impact? Our property damage assessment team can review the impact damage, repair evidence and settlement position to help you pursue a fair settlement under the policy.

Impact Damage Insurance Claim Help

Theft Insurance Claims

Victim of burglary or theft? Don’t face insurers alone. Our insurance claim support team can gather evidence, review supporting documents, present the claim professionally and help pursue a fair settlement.

Theft Insurance Claims Help

Insurance Claim Help For Policyholders

Why Choose Independent Loss Adjusters to Help With Your Insurance Claim?

Quite simply, because experience and empathy matter when things feel uncertain. Our independent claim advisers work within the insurance claims management and claims consultancy sector every day. Whilst we can’t remove the disruption entirely, we do everything possible to keep the process calm, clear and as smooth as it can reasonably be.

Homeowners, Businesses and Landlords – Our Loss Adjusters Are Ready To Assist

We know that when you make a home, landlord or business insurance claim, you want clarity and a result that properly reflects your position. That’s why our property insurance claim specialists focus on the details others can overlook. By reviewing the damage, checking the evidence, explaining the policy wording and assessing the settlement offer, we help you understand your claim without unnecessary confusion.

If you’d like to explore how we can help, simply get in touch with our helpful team for an initial no-obligation free consultation.

Why Choose An Independent Loss Adjuster?

Experience

Over 70 years’ experience across insurance claims, loss adjusting and property damage support.

Transparency

Clear fee information from the outset, so you understand the position before making decisions about your claim.

Trusted Contractors & Suppliers

Access to trusted suppliers who can support repair, reinstatement and claim-related works where needed.

Industry-Trained Claims Team

A team trained through recognised industry bodies, including CILA-related professional standards.

Latest Customer Testimonials

What Clients Say About ILA’s Claim Support

When an insurance claim becomes delayed, disputed or difficult to manage, it helps to hear from people who have already been through the process. For example, the comments below are from clients who asked Independent Loss Adjusters to help them deal with insurers, evidence, claim decisions, settlement offers and repair concerns.

“I received excellent and speedy advice from Michael at ILA - I was hesitant to call in but feel so much better that I did, highly recommend!”
Tim Cowles

“Independent Loss Adjusters team Glenn Weatherall and Sue Young have been the most helpful and dedicated team working on our behalf during what was a very difficult insurance claim. They are one of my most very professional company I have ever had the pleasure to work with.”
Paul Barker

“Extremely professional, reassuring whilst giving a wonderful, friendly service during a personally difficult time. Very thorough in the site assessment and good follow-up.”
Steve

“Friendly and competent staff.”
Martin Hill

“After having a claim rejected for a fallen tree on our house, I had given up all hope of getting anywhere! However, Chris was extremely helpful in fighting this for us and taking to the Financial Ombudsman to get it overturned and payment made.”
Joel Nash

“Our loss adjuster, Michael, was very professional and provided clear communication from the onset. The claim was ultimately settled in quick time, with minimal complications.”
Jamie

“We were at the end of our tether with the communication problem with the insurance and their appointed assessor. We contacted ILA and got an independent assessor Glenn Weatherall and his assistant, they couldn't do enough for us."
John Hume

These testimonials describe individual clients’ experiences. Outcomes depend on the policy wording, evidence and circumstances of each claim.

Need Help With Your Own Claim?

Request free initial claim advice or call 0800 002 5178.

Loss Adjuster Or Loss Assessor: Which Do You Need?

An insurer often appoints a loss adjuster to inspect damage, review the claim and assess what may be payable under the policy. In contrast, a policyholder usually appoints a loss assessor to prepare, present and negotiate the claim on their behalf.

ILA works for policyholders. We provide the practical support many people expect from a loss assessor, with the technical knowledge, insurance claim representation and professional standards of independent loss adjusters. Our loss adjusting experience helps you understand the damage, the evidence, the policy position and the settlement figures being discussed.

With ILA, the key point is simple: we are not appointed by your insurer. We work on your side of the claim.

Independent Loss Adjusters & Loss Assessors Authorised And Regulated By The FCA

The Benefits of Choosing an Independent Loss Adjuster

When you choose ILA, you are choosing a different way of handling a claim. It is not about promises or slogans; instead, it is about steady, experienced claim handling support when things feel uncertain. And while every claim is different, these are the benefits our clients tend to notice most:

Unbiased Support: Independent loss adjusters do not work to protect an insurer’s position. Because of that independence, we approach your claim with a clear focus on fair, professional claims management.
Policy and Evidence Review: Our loss adjusters spend their time inside policy wording, evidence, repair costs and settlement figures, helping identify points that can be missed if no one is checking the detail.
Claim Preparation and Negotiation: Once our loss assessors step in, we help prepare the claim, handle insurer communications, organise claim documentation and support negotiation where needed.
Pursuing A Fair Settlement: Our loss assessors review the evidence, policy wording, and settlement figures to ensure the claim remains aligned with what the policy allows and what the damage supports.

Local Regional National Emergency Helpline

Speak To ILA About Your Claim

ILA provides local and UK-wide insurance claim support for policyholders dealing with property damage. For example, our loss adjusting team can review the position, explain the evidence needed and help you decide the next step, whether the claim involves a home, business premises or rental property.

Frequently Asked Questions

What Happens When An Insurer Appoints A Loss Adjuster?

When your insurer appoints someone, they usually inspect the damage, consider policy cover and report back to the insurer. Many insurer-appointed Loss Adjusters work within the insurer’s claims process, so it is important that you understand what is being assessed and why. ILA can review the position from the policyholder’s side and help you respond with clearer evidence. You can also read more about the insurance claim process.

Can I Appoint My Own Loss Adjuster?

Yes. You can appoint your own independent support to help with a property insurance claim. ILA works for policyholders, not insurers. Therefore, the focus is on your damage, your evidence and the settlement being considered. This can be especially useful when a claim is delayed, disputed, rejected or difficult to understand. To speak to the team, you can request a callback.

What Is The Difference Between Loss Adjusters And Loss Assessors?

Loss Adjusters are often appointed by insurers to inspect damage and assess what may be payable under the policy. Loss Assessors or Independent Loss Adjusters are usually appointed by policyholders to prepare, present and negotiate the claim. The main difference is who they are acting for, which is why the wording can be confusing when a claim is already stressful. This guide explains more about insurance loss adjusters and independent claim support.

Is A Loss Assessor Different From An Insurer Appointed Loss Adjuster?

Yes. A Loss Assessor usually works for the person making the claim, while a Loss Adjuster is often instructed by the insurer. The practical difference is who they represent. If you are unsure where you stand, ILA can explain the role of each party and help you decide whether independent support is needed.

What Should I Do If My Insurer Rejects My Property Claim?

Ask the insurer to confirm the reason for rejecting the claim in writing and identify the policy wording, evidence or exclusion relied upon. Check whether the decision addresses all the information you supplied and whether further evidence may change the position.

You may also be able to make a formal complaint and, depending on eligibility and applicable time limits, refer the matter to the Financial Ombudsman Service. ILA can review the rejection reason, policy wording and available evidence before you decide what to do next.

What Evidence Do I Need For A Storm Damage Claim?

Storm damage claims often turn on cause, timing and condition. For example, useful evidence can include photos taken soon after the event, videos, weather records, roofer or contractor comments, repair estimates and any maintenance history for the affected area.

What Should I Do If My Insurance Settlement Offer Is Too Low?

A low settlement offer should be checked against the actual repair route, not just the headline figure. In particular, look at what has been allowed for, what has been left out, whether VAT, drying, strip-out, reinstatement, access costs or professional fees are included, and whether the offer matches the policy terms.

ILA can review the offer with you and help identify where the calculation may need to be challenged or supported with better evidence. Read more about what to do if your insurance settlement offer is too low.

Can I Get Help With An Existing Insurance Claim?

Yes. ILA can help with existing claims that have stalled, been rejected, become disputed or resulted in an offer you are unsure about. Loss Assessors can help after a claim has already become difficult. A Loss Assessor can review the file, identify what is missing and help you decide the next sensible step. If your claim is already underway, this page explains how ILA may help with an existing insurance claim.

How Much Does It Cost To Use ILA?

ILA’s general fee is 10% plus VAT of the overall settlement amount. Alternatively, if you appoint ILA’s recommended contractors to carry out the agreed reinstatement works, our fee is generally covered through that contractor route. Every claim is different, so the fee position will be explained clearly before you decide how to proceed. Loss Adjusters and Loss Assessors may structure fees differently, so a Loss Assessor fee should always be checked before work begins.

Request Free Insurance Claim Advice From Independent Loss Adjusters & Loss Assessors

What Happens After You Request a Callback?

A member of the ILA team will review the information you provide and contact you during normal working hours. We will ask a few initial questions about the damage, the policy and the current position of the claim. You do not need to have every document ready before speaking to us.

For urgent claim enquiries, call 0800 002 5178.