Had a disaster at home?
We're here to help.
But first, let's find out what the problem is.
At ILA, we understand that many clients can feel they have no control over their home or business, have no understanding of the claims process and do not have the right information to make informed decisions that impact the claim. This is why we believe it is important to ensure the client is in control; we break down the legal jargon, guide them through the claims process and ensure that decisions can be made for individual circumstances. Ultimately, we aim to achieve a fair settlement that reflects your policy and your loss.
When you choose us, we will provide you with your own expert Loss Adjuster who will support you through your entire home insurance claim process, no matter how complex the claim is. They are well-equipped to offer clear and practical advice designed to minimise the lifespan of homeowners insurance claims and the impact of such claims on your personal life.
With your very own Loss Adjuster on side, you can continue with your normal life while we negotiate the loss, organise quotes, arrange remedial work and validate damaged possessions on your behalf. Here at ILA, we make it our mission to keep your best interests at heart throughout the whole home insurance claim process.
You wouldn’t enter into a housing agreement without a solicitor so why enter a home owners loss insurance claim without a loss adjuster? The team of experts here at Independent Loss Adjusters have years of experience and are dedicated to helping you.
We understand that cost is an important factor when it comes to settling your claim. That’s why at ILA, we offer a competitive fee of 10% plus VAT of the overall settlement amount. But we also know that every situation is unique, which is why we offer flexible options to our customers.
One option is to utilise our extensive supplier network. If you choose this option and our contractors complete the work, they will cover our fee on your behalf for the proportion of work they complete. This can provide even more value to our customers.
To learn more about our fees and options, please reach out to a member of our team. We’re here to help you navigate the claims process and ensure that you receive the compensation you deserve.
Although claim preparation costs are typically not covered under insurance policies, we offer a solution for our clients. If you choose to use one of our trusted contractors from our supplier network, they will cover our fees for the portion of work that they complete on your behalf.
Please note that your insurance company will not directly pay our fees, unless you have purchased a policy that covers Claim Preparation Fees.
Are you wondering why you should consider using your own Independent Loss Adjuster when your insurance company has already appointed one? It’s important to keep in mind that the Loss Adjuster appointed by your insurance company will prioritise reducing their overall liability and mitigating the loss, which may not always align with your best interests.
By hiring your own Independent Loss Adjuster, you can benefit from a fresh perspective and a more personalised approach. We will take the time to understand your unique situation and utilise every aspect of your insurance policy to ensure that you receive the full benefits you are entitled to in the event of a loss. Our priority is to represent your interests and ensure that you receive a fair settlement that accurately reflects the extent of your loss.
Don’t let your insurance company’s Loss Adjuster make decisions that may not be in your best interests. With our help, you can be confident that you are getting the best possible outcome and the maximum benefit from your insurance policy.
Loss Adjusters who work solely for the public, as we do, are often referred to as Loss Assessors by most of the industry. However, not many in the industry realise that Loss Adjusters can work for the public, as well as insurers.
Entrusting your claim to an Independent Loss Adjuster, who follow the charter of CILA (Chartered Institute of Loss Adjusters) and registered with the FCA is crucial. At ILA, we pride ourselves on being Loss Adjusters solely devoted to serving the public, whilst adhering to the highest industry standards outlined in the CILA Charter and FCA regulations to ensure a fair and impartial settlement for our clients.
Because we are Loss Adjusters who act in accordance with the CILA Charter and FCA rules and regulations, most Insurers will welcome our involvement. Remember, when we are talking to your Insurance Company, we recognise the insurance jargon, terminology and the potential repercussions that you may experience when providing your Insurance Company with information.
It will be our responsibility to ensure that you appreciate the importance of any questions that are being asked of you, remove the insurance jargon and explain matters to you in a way that you can understand. We see no reason why your Insurance Company should react negatively should you decide to appoint us to assist you.
Real Feedback From Clients We Have Helped
When an insurance claim becomes delayed, disputed or difficult to manage, it helps to hear from people who have already been through the process. These comments are from clients who asked Independent Loss Adjusters to help them deal with insurers, evidence, claim decisions, settlement offers and repair concerns.
“All dealings with ILA were fantastic, timely, compassionate and steadfast in fighting for your rights, above those of the Insurance Companies. I dread to think how badly the outcome could have been had I stuck with the insurance companies own Loss Adjuster.”
“Thoroughly investigated my issues with my insurers and loss adjusters. Took all the pressure off, kept us informed on every step along the way. Suggested corrections to the loss adjusters, which were accepted, and finally achieved a settlement figure almost twice the amount originally offered.”
“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.”
“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.”
“From the very beginning, they demonstrated exceptional professionalism, in-depth industry knowledge, and genuine care for my situation. Their attention to detail and persistence resulted in a settlement that was both fair and far more comprehensive than I could have achieved alone.”
“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.”
These testimonials describe individual clients’ experiences. Outcomes depend on the policy wording, evidence and circumstances of each 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.
Every claim depends on its individual circumstances, supporting evidence and policy wording. No particular outcome can be guaranteed.
CLEAR, PROFESSIONAL CLAIM SUPPORT
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.
ILA is appointed by homeowners, landlords and businesses, not by the insurer handling their claim.
Our team brings experience across insurance claims, loss adjusting, damage assessment and settlement review.
We review the policy, correspondence and available evidence before explaining what appears clear and what may need further work.
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.
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.
We can help assess water damage, organise the evidence and present the claim under your policy.
Flood Damage Claim Help
We review the damage, repair scope and reinstatement costs to help you understand the claim position.
Fire Damage Claim Help
We assess the interruption, financial records and policy position when insured damage affects trading.
Business Interruption Help
We review the damage, circumstances and evidence after vandalism or deliberate damage.
Malicious Damage Claim Help
We can assess collision or impact damage and review the repair evidence and settlement position.
Impact damage claim help
We help organise supporting evidence and review the claim position after burglary or theft.
Theft Claim HelpClaim 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
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.
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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.
Our team brings over 70 years’ experience across insurance claims, loss adjusting and property damage support.
We explain the work we propose and how our fee would be calculated before you decide whether to appoint us.
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.
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.
How changing UK flood risk may affect homes, businesses and insurance, including exposure from rivers, the sea and surface water and the importance of checking cover.
Ten situations where independent loss adjusting support may help, from interpreting policy wording and organising evidence to reviewing repair scopes, insurer communication and settlement proposals.
Home insurance guidance covering buildings and contents cover, policy limits, underinsurance, renewals and the key checks to make before or during a property claim.