The Insurance Claim Process

ILA are by your side, every step of your journey. Take a look at the process when you appoint your own Independent Loss Adjuster.

The Impact of an Insurance Claim

Independent Loss Adjusters know first-hand how stressful making a claim can be, which is why we have a dedicated claims team who will assist you through the insurance claim process from start to finish.

It’s easy to get started with us. Simply contact us and one of our friendly claims specialists will take all the necessary details of your case. After this, they will arrange for the appropriate Loss Adjuster to get in touch with you; we can even come to your property to complete the onboarding process.

Once you’ve signed a mandate with us, we’ll contact your insurance company on your behalf to initiate the claims process and inform them of our involvement. We can also send specialist contractors to assess the damage to your property. This is important as it will be required by your insurer to confirm liability.

We’ll then discuss the best way forward with you and enter a settlement negotiation on your behalf, aiming to get the best possible settlement for you. After the claims process, we can assign an appropriate contractor to complete repair work if needed, overseeing until completion. Alternatively, we can discuss alternative cash settlement options with you if desired.

At Independent Loss Adjusters, we are committed to making the claims process as straightforward as possible for you. We believe our work isn’t done until you’re completely satisfied with the outcome, so will keep supporting you until everything is concluded to your satisfaction.

We encourage all of our customers to be as vocal as possible regarding the service they’ve received, so please let us know your feedback throughout the entire claims process,  especially at the end. Your feedback helps us to improve our processes and provide the best service possible.

Let us take care of the details, so you can focus on getting back to normal.

Frequently 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 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 is a member of the esteemed Chartered Institute of Loss Adjusters (CILA) 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.

You're In
Safe Hands

We believe that everyone should have their own Independent Loss Adjuster when they suffer an insured loss or damage. 

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