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.

Our loss adjusting service includes much of the support associated with loss assessors, from preparing claim evidence to negotiating with insurers.

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

We Work For You, Not The Insurer

Independent Support When The Insurer Appoints A Loss Adjuster

An insurer may appoint a loss adjuster to assess a claim on its behalf. A policyholder can appoint a loss assessor or independent claims specialist to help prepare and discuss their claim. ILA is appointed by policyholders, not by their insurer. We review the policy wording, damage and available evidence, then explain the points that may need attention.

Not sure which kind of help you need? Read our guide to loss adjusters and loss assessors, or tell us where your claim stands in a free initial conversation.

CLEAR, PROFESSIONAL CLAIM SUPPORT

Why Policyholders Speak to ILA

A difficult claim often involves policy wording, technical evidence, repair costs and several parties. Our Loss Adjusters help policyholders understand the position and approach the next step with clearer information.

Policyholder-Focused

ILA is appointed by homeowners, landlords and businesses, not by the insurer handling their claim.

Experienced Claims Team

Our team brings experience across insurance claims, loss adjusting, damage assessment and settlement review.

Evidence-Led Guidance

We review the policy, correspondence and available evidence before explaining what appears clear and what may need further work.

FCA Authorised

Our regulated status supports clear information, appropriate conduct and fair treatment throughout the customer journey.

Independent Loss Adjusters Ltd is authorised and regulated by the Financial Conduct Authority for insurance distribution activities.

Why Choose ILA Read Client Testimonials

Need Clearer Direction on Your Claim?

Tell us what has happened and where the claim currently stands. We will review the initial information and explain whether ILA may be able to help.

Request a Callback Call 0800 002 5178

Every claim depends on its individual circumstances, supporting evidence and policy wording. No particular outcome can be guaranteed.

Insurance Claim Support For Homeowners, Landlords & 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.

Is Your Insurance Claim Becoming Difficult?

Claim rejected, delayed, under investigation or offered a settlement you’re unsure about? Our guide covers what to check next, underinsurance and help with an existing claim.

Explore Common Claim Problems

PROPERTY DAMAGE CLAIMS

Help with Property Damage Claims

Different types of damage bring different questions about evidence, repairs and cover. Choose the claim type below to see how ILA may be able to help.

Flood Damage Claims

We can help assess water damage, organise the evidence and present the claim under your policy.

Flood Damage Claim Help

Fire Damage Claims

We review the damage, repair scope and reinstatement costs to help you understand the claim position.

Fire Damage Claim Help

Business owner reviewing a property insurance claim

Business Interruption Claims

We assess the interruption, financial records and policy position when insured damage affects trading.

Business Interruption Help

Malicious Damage Claims

We review the damage, circumstances and evidence after vandalism or deliberate damage.

Malicious Damage Claim Help

Impact Damage Claims

We can assess collision or impact damage and review the repair evidence and settlement position.

Impact damage claim help

Theft Insurance Claims

We help organise supporting evidence and review the claim position after burglary or theft.

Theft Claim Help

Insurance Claim Help For Policyholders

What Our Independent Loss Adjusters Can Review

We start with the claim as it stands: the policy wording, damage, correspondence, repair scope and any settlement offer. Some people need help preparing a claim; others want a review at a particular point. Our insurance claims management support can be shaped around what the evidence and circumstances call for.

Support for Homeowners, Landlords and Businesses

Different properties and policies raise different questions. We can help organise the information, discuss the position with the insurer and review the proposed settlement where appropriate. We’ll explain what we can do, what remains uncertain and whether another route may be more suitable.

If you’d like to discuss a new or existing claim, get in touch for a free initial conversation.

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

Tell us what happened and where your claim stands. The initial conversation is free and without obligation. We’ll ask a few questions and explain whether ILA may be able to help. You can call us or complete the form; we’ll contact you using the details you provide.

If you choose ongoing support, we’ll explain the service and fee before work begins. Our general fee is 10% plus VAT of the overall settlement. Where you appoint ILA’s recommended contractors for the agreed reinstatement works, our fee is generally covered through that contractor route. The position depends on your claim and the proposed work.

What Happens After You Request a Callback?

When we speak, we’ll ask a few initial questions about the damage, your insurance policy and the current position of your claim.

You don’t need to have every document ready. The first conversation is simply to understand what has happened and whether we may be able to help.

If you’d prefer to speak to us directly, call 0800 002 5178.

For information about how we use and protect your personal data, please read our Privacy Policy.

Why Choose An Independent Loss Adjuster?

Choosing support for a claim is a practical decision. The team’s experience, proposed work, fee and any repair arrangements should be clear before you appoint us.

Experience

Our team brings over 70 years’ experience across insurance claims, loss adjusting and property damage support.

Clear Fees

We explain the work we propose and how our fee would be calculated before you decide whether to appoint us.

Recommended Contractors

If repairs are needed, we can discuss whether ILA’s recommended contractors are suitable. We’ll explain how that route works and how they can cover our fees on your behalf.

Professional Standards

Our team draws on claims and loss-adjusting training. Independent Loss Adjusters Ltd is authorised and regulated by the Financial Conduct Authority for insurance distribution activities.

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 was at my wits' end trying to navigate an insurance claim, with everyone involved being obtuse and evasive. Chris answered my pleas and was on the situation immediately. I hope I never have to use a service like this in the future - but if I do, 110% I would use ILA in a heartbeat.”
David

“We were really struggling with our insurance claim until we decided to use ILA. Glen and Sue took charge of the claim and took the worry away from us. Thank you both for your help and support throughout the process.”
Ann Riley

“The insurer was being a nightmare and dragged the case on for months, but in the end, with Glenn’s help and guidance, we received the payout needed to rectify the damage. Without Glenn, we would have only received 20% of the actual costs to restore the damage!”
Kurtis

“ILA are superb at engaging, on your behalf, with insurance companies. They take ownership of the situation for you and work with you to deliver a tremendous outcome. If your insurance claim has stalled, I would recommend you contact Glenn and Sue at ILA - You will be in exceptionally capable hands.”
Justine

“Glenn took the time to understand the extreme toll this situation was taking on my family and provided clear, honest and highly effective tactical guidance at every single step. Sue Young was equally exceptional, ensuring seamless communication and keeping the momentum going.”
William

“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

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 Adjusters and Loss Assessors: How ILA Helps Policyholders

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

What Independent Loss Adjusters Check in a Settlement Offer

A proposed settlement is easier to assess when its basis is clear. We can compare the insurer’s explanation, the repair scope and the figures with the policy wording and available evidence. The relevant points vary from claim to claim.

Damage and reinstatement scope: Does the proposed work reflect the damage recorded and the practical repair requirements?
Costs and deductions: Are quotations, excesses, policy limits or other adjustments explained and supported?
Unanswered questions: What further evidence or clarification may be needed before you decide how to respond?

We explain our review and the options that may be available. The policy terms, evidence and individual circumstances determine the outcome.

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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 assess insurance claims and may be appointed by an insurer or a policyholder. Loss assessors typically represent policyholders, helping prepare, present and negotiate claims. At ILA, our independent loss adjusters are appointed by policyholders, not their insurers. Our work overlaps with many loss assessor services, including reviewing damage, preparing evidence and negotiating claims. 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.