Clear guidance when a property claim has been delayed, rejected, disputed or become difficult to resolve.
Property insurance claims do not always follow a straightforward path. Your claim may have been rejected, taken longer than expected, gone under investigation or resulted in a settlement offer that you are unsure about.
Sometimes the problem is easy to identify. In other cases, you may simply feel that the insurer’s position, the evidence being requested or the proposed settlement has not been explained clearly enough.
Independent Loss Adjusters helps homeowners, landlords and businesses understand difficult property insurance claims. We can review the available information, explain what appears clear, identify points that may need further investigation and outline the options that may be available.
Choose the issue below that most closely matches your situation.
FIND THE RIGHT GUIDANCE
Choose the situation that most closely matches your claim. Each route explains what to check, which documents may matter and what you could consider doing next.
Start with the written decision, the policy wording and the evidence used. Our guide explains how to review the reasons given and consider your next steps.
Review a Rejected ClaimDelays can arise for different reasons. Check what remains outstanding, who is responsible for the next step and whether the expected timescale has been explained.
Understand Claim DelaysCompare the offer with the damage, scope of work, repair costs and policy terms. Our guide explains what to check before deciding how to respond.
Review a Settlement OfferAdditional enquiries do not automatically mean the claim will be rejected. Understand what is being requested, keep your account clear and retain relevant records.
Read the Investigation GuideCheck the declared rebuild value, policy wording, evidence and any Average Clause calculation. The position depends on the terms and individual circumstances.
Understand UnderinsuranceIf the claim is already underway, gather the policy, correspondence, reports and current settlement position. See how ILA may be able to review the situation.
Get Existing Claim GuidanceFREE INITIAL ADVICE
Not sure which route fits? A short initial conversation can help us understand what has happened, what stage the claim has reached and which documents you already have.
We will explain whether ILA may be able to assist and what information would be useful next. The initial advice is free; any wider service and applicable fees will be explained before you decide whether to proceed.
Request Free Initial AdviceTell 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.