If property damage has affected your home, rental property or business in Leicester, Independent Loss Adjusters can help you identify whose property has been damaged, which insurance arrangements may be relevant and how the different parts of the loss should be recorded.
We act for the policyholder rather than the insurer. If you need independent loss adjuster and loss assessor support, we can help you review the policy position, available evidence and outstanding questions before important claim decisions are made.
One incident can affect several types of property at the same time. Keeping them separate can make the claim much easier to understand.
Depending on the property and circumstances, identify:
Do not assume that every damaged item belongs under the same insurance policy. Ownership, the policy wording and the individual circumstances need to be checked.
An insurer may appoint a loss adjuster to investigate and assess the claim within its claims process.
A policyholder can appoint their own representative to help prepare and progress the claim. Therefore, the important question is who made the appointment and whose position that professional is engaged to represent.
Our guide to independent representation during an insurance claim explains appointment, accountability and why a professional title alone does not tell you who someone represents.
If the damaged property is a leasehold flat, check who arranged the buildings insurance before assuming that your own policy deals with the structural repairs.
In many leasehold blocks, the freeholder or landlord arranges insurance for the building and common areas. Individual occupiers may have separate insurance for their personal belongings or other items.
The lease and insurance documents should be checked because arrangements can differ. The government-backed LEASE guidance on buildings insurance for leasehold property explains who commonly arranges cover and how claims for leasehold flats can work.
For a landlord or buy-to-let owner, it is useful to distinguish the insured building and landlord-owned items from belongings owned by the tenant.
If furniture, appliances or other items form part of the landlord’s insured property, record them separately from the structural repairs. Likewise, avoid automatically adding tenant-owned belongings to the landlord’s claim unless the relevant policy actually covers them.
Inventories, tenancy records and photographs may help establish ownership and the condition of furnished items before the damage occurred.
A leak may start in one flat, room or commercial unit and cause damage somewhere else.
Record the apparent source separately from the resulting damage. It can also help to identify who owns each affected area or item and which insurance arrangements may be involved.
Whether responsibility for the leak and insurance cover are the same question will depend on the circumstances. Avoid assuming that the person or property where the water originated must automatically pay every resulting loss.
Our guidance on escape of water insurance claims explains some of the evidence, drying and reinstatement issues that may need consideration.
A building containing flats, shops, offices or other commercial units may have different insurance arrangements for different parts of the property.
One incident might therefore involve building repairs, individual contents claims, commercial stock, landlord fixtures and separate financial losses.
Keep these elements distinct. This can help prevent one unresolved issue from making the whole claim difficult to follow.
For a Leicester business, damage to the building is not necessarily the same claim as damage to stock, machinery, equipment or other business contents.
Trading disruption is another separate issue. Where relevant business interruption cover applies, the financial loss normally needs accounts, trading information and other evidence rather than a building repair quotation.
Our business interruption claim guidance explains some of the policy terms, financial records and calculations that may need consideration.
We support policyholders across Leicester city centre and areas including Highfields, Westcotes, Braunstone, New Parks, Belgrave, Beaumont Leys, Aylestone, Knighton, Stoneygate, Spinney Hills, Evington, Hamilton, Rushey Mead and Humberstone.
The city includes family homes, terraced property, flats, HMOs, rental accommodation, shops, offices, warehouses and mixed-use premises. As a result, ownership and insurance arrangements can vary significantly between claims.
Property type or location does not itself determine insurance cover. The ownership of the damaged property, relevant policy wording, cause of damage and individual circumstances still need to be considered.
If the position is complicated, a simple written list can help.
For each damaged area or item, record:
You do not need to know every answer at the beginning. The purpose is to identify where clarification is still needed.
You do not need to have contacted Independent Loss Adjusters when the claim first started.
If several insurers, owners, tenants, landlords or other parties are already involved, gather the latest policy information, correspondence, photographs and repair documents. Then identify which parts of the loss have been agreed and which remain unresolved.
Our guidance on policyholder-side support with an existing insurance claim explains what information may be useful before deciding whether further professional assistance is appropriate.
Ask for the insurer’s decision and reasons in writing.
Check whether the rejection relates to the building, particular contents, a financial loss or the whole claim. You should also identify the relevant policy wording, facts and evidence relied upon.
A rejection does not automatically mean the insurer’s decision is wrong. However, identifying exactly which part has been rejected gives you a clearer basis for deciding whether further evidence, clarification, a complaint or professional assistance may be appropriate.
Our rejected insurance claim checklist explains what to review before deciding how to respond.
We provide free, no-obligation initial insurance claim advice.
Where Independent Loss Adjusters manages and negotiates the claim, our standard fee is 10% plus VAT of the relevant settlement amount.
Where you choose an ILA-recommended contractor to undertake reinstatement work, the contractor may cover Independent Loss Adjusters’ fee for the proportion of work they complete.
However, you remain free to appoint your own contractor.
We will confirm the applicable fee and scope of service before you decide whether to appoint Independent Loss Adjusters.
What if a leak from another flat damages my property?
Record the source if it is known and keep the resulting damage separate. Check which buildings and contents insurance arrangements apply before assuming which insurer or person should deal with each part.
What if I am a landlord and my tenant’s belongings are damaged?
Keep tenant-owned property separate from the landlord’s insured building and contents. The tenant may need to consider their own insurance arrangements for personal belongings.
What if the building contains both residential and commercial units?
Identify which areas, fixtures, contents and financial losses belong to each party. Different policies or sections of cover may apply.
Can you help after my Leicester claim has already started?
Potentially, yes. We can discuss the stage reached, review the available information and explain whether our service may be suitable.
If it is unclear who owns the damaged property, which insurance may apply or how the different parts of the claim fit together, you can request free, no-obligation initial claim advice.
Tell us what has happened and which issues remain unclear. We can then discuss whether Independent Loss Adjusters can assist.
You can also call 0800 002 5178.
Get Clear Initial Advice Before You Decide What To Do Next
If your property insurance claim is new, already underway or difficult to understand, you can ask Independent Loss Adjusters for clear initial advice before deciding what to do next.
Call 0800 002 5178
What Our Clients Say After Working With ILA
When your property claim feels uncertain, it can help to hear from people who have already been through the process. These testimonials show how Independent Loss Adjusters has helped clients deal with insurers, evidence, delays, settlement concerns and the practical steps needed to move a claim forward.
“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.”
“Great communication throughout the process and we definitely got a larger payout than if we had dealt with our insurance company directly. Having someone so knowledgeable in our corner, who we knew had our best interests at heart was invaluable.”
“We had a very complex insurance claim which Michael and his team worked tirelessly to resolve. We had zero experience in dealing with insurance companies and we would have been lost without them.”
“Michael is an experienced generous expert in his field. He clearly works very hard for his clients & uses his extensive experience to steer towards the best outcome.”
“Michael dealt with our case in such a very professional manner, providing excellent advice and valued assistance. What really mattered here was Michael had a real connection to us, offering true empathy to our case and real sincere desire to help us to the best of his ability.”
“Dealing with the insurance company by myself was a nightmare. Glenn was patience persistent and professional. The results achieved was worth the time and effort put in.”
These testimonials describe individual clients’ experiences. Outcomes depend on the policy wording, evidence and circumstances of each claim.
Need Help With Your Own Claim?
Get free initial insurance claim advice from one of our experts.
Speak To ILA About Your Claim
ILA supports policyholders across the UK with property insurance claims. Whether the claim involves a home, business premises or rental property, our loss adjusting team can review the position, explain the evidence needed and help you decide the next step.
Our insurance claim support covers a wide range of property damage claims, from initial claim assessment through to evidence review, negotiation and settlement discussions.
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.
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