Policyholder-Focused
ILA is appointed by homeowners, landlords and businesses, not by the insurer handling their claim.
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Landlords
One of your properties has had a disaster?
We're here to help.
But first, let's find out what the problem is.
How We Can Help
Landlords.
Landlord insurance protects landlords who rent out their properties. It typically covers risks like damage to the building and contents, loss of rental income, and liability claims. Benefits include buildings insurance, contents insurance, loss of rent insurance, liability insurance, and optional extras.
Landlords often use ILA to help present their claim, as they have expertise, experience, objectivity, and negotiation skills that result in better outcomes for landlords. As well as being experts in negotiating the settlement of your claim with the Insurer, your own adjuster is vital to maintain good tenant and landlord relationships.
Appointing your own loss adjuster when making a landlord insurance claim can potentially help with the tenant in many ways.
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.
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.
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 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 HelpFrequently Asked Questions
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.
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 ProblemsCustomer Testimonials
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.
“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!”
“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.”
“ILA provided a prompt, professional assessment for a complex situation. Michael and Emma were clear, responsive, and took great care to ensure the report addressed all relevant technical factors.”
“Mike and his team are an essential if you have to make a claim against your insurance. I have engaged ILA on a number of occasions and they have delivered every time.”
“ILA do exactly what they say they will do and so much more. The knowledge, understanding and organisation, communication is 1st class. We could never have done this without them.”
“He’s extremely dedicated and knowledgable and passionate about getting you a fair deal. He’s also incredibly friendly and supportive.”
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.
Request Free Initial Landlord Claim Advice
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.
Insurance Tips and Advice
Insurance Claim Rejected? Decision Review Checklist
A practical checklist for reviewing a rejected property insurance claim, including the insurer’s reasoning, relevant policy wording, supporting evidence and possible complaint or review routes.
FCA Insurance Rule Changes: What Homeowners Need to Know
Recent FCA insurance rule changes explained for homeowners, including what has changed, which consumer protections remain and what to check in policies and claims.
Burst Water Pipe? What to Do Next and How to Protect Your Claim
Practical steps after a burst water pipe, from limiting further damage and staying safe to recording evidence and preparing the resulting home insurance claim.