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Why ILA Recommend W & R Fraser for Insurance Surveying & Reinstatement Valuations

Trusted Expertise in Insurance Surveying & Reinstatement Valuations

A qualified insurance surveyor can provide valuable technical evidence to support property insurance claims. At Independent Loss Adjusters (ILA), we prioritise working with trusted professionals who bring technical expertise and integrity to every assessment.

We proudly recommend W & R Fraser, a Chartered Building Consultancy Practice, for insurance surveying, claim-related building assessments and reinstatement valuation services. The appropriate service will depend on whether you are checking the building sum insured before a claim or assessing damage and reinstatement work after a loss.

Why W & R Fraser Stands Out:

Industry Accreditations

W & R Fraser’s reputation is built on professionalism and adherence to the highest industry standards. They are:

Regulated by RICS – W & R Fraser is a RICS-regulated firm, and its team includes Chartered Surveyors.
Chartered Building Consultancy Practice – W & R Fraser describes itself as a Chartered Building Consultancy Practice.
CABE Company Partner – W & R Fraser is affiliated with the Chartered Association of Building Engineers (CABE), demonstrating its commitment to high standards in building engineering and surveying.

These credentials highlight W & R Fraser’s ability to deliver precise and compliant insurance surveying and reinstatement valuations, making them a trusted choice for Independent Loss Adjusters.

W & R Fraser's Industry Memberships Include:

Why Do Insurers Send Insurance Surveyors?

Insurance companies deploy surveyors for multiple reasons, including:

Claims Evaluation – Verifying the extent of damage and the legitimacy of a claim.
Risk Assessment – Identifying potential hazards that may lead to future claims.
Policy Validation – Considering whether the building sum insured reflects the property’s current rebuild cost.

However, a surveyor appointed and instructed by an insurance provider normally reports within the scope of that insurer’s instruction. Policyholders may therefore choose to obtain separate professional advice where the damage assessment or proposed reinstatement scope is disputed.

Appointing a suitably qualified surveyor can give the policyholder an independent technical assessment of the damage, proposed repairs and associated reinstatement costs.

This may help identify omitted or undervalued work and provide evidence for discussions about the appropriate reinstatement allowance under the policy.

What is the Reinstatement Basis of Value?

The reinstatement basis of value refers to insuring a property according to its rebuilding cost rather than its market value. The two figures can be very different, as explained in our guide to the average clause in insurance. This ensures that, in the event of a loss, the property can be restored to its original condition without financial shortfalls.

Many property owners underestimate the cost of rebuilding, potentially leaving the property underinsured if serious damage occurs.

W & R Fraser provides reinstatement valuations intended to give property owners a professionally assessed basis for reviewing their building sum insured.

What is the Purpose of an Insurance Survey?

An insurance survey is a professional assessment of a property’s condition, structure, and compliance with industry standards. It is conducted to ensure that a building is adequately insured, risk factors are identified, and claims are handled with precision. W & R Fraser excels in providing detailed, independent surveys that assist insurers, policyholders, and loss adjusters in making informed decisions.

How ILA & W & R Fraser Help Property Owners with Insurance Claims

The partnership between Independent Loss Adjusters and W & R Fraser provides a comprehensive approach to assisting property owners with insurance claims, particularly after an insured event such as a fire, flood, water leak, or impact damage. This collaboration ensures:

Accurate Damage Assessments – W & R Fraser’s RICS-qualified surveyors provide professional reports that support claim accuracy.
Independent Valuations – Ensuring policyholders receive fair compensation based on expert reinstatement cost assessments.
Efficient Claim Management – Streamlining the claims process by offering clear, expert guidance on building repairs and reinstatement costs.
Professional Standards – W & R Fraser’s regulated and chartered practice status provides an established framework for professional conduct, competence and accountability.

By using an Independent Insurance Surveyor instead of one appointed by the insurance provider, policyholders gain peace of mind knowing that their interests are fully represented.

This gives policyholders access to separate technical evidence that may assist discussions about the damage assessment, reinstatement scope and associated costs.

Trust the Experts for Reliable Insurance Surveying

Choosing the right Insurance Surveyor is crucial for ensuring that insurance claims are handled efficiently and fairly. At ILA, we trust W & R Fraser to provide the highest standard of surveying and Insurance Reinstatement Valuation services. Their expertise ensures that clients receive accurate, compliant, and transparent assessments, safeguarding their financial interests in times of need.

For more information on how W & R Fraser can assist with your insurance surveying needs, contact them today on 0330 678 2716 or visit the W & R Fraser website.

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