ILA are by your side, every step of your journey. Take a look at the process when you appoint your own Independent Loss Adjuster.
Independent Loss Adjusters understand how disruptive a property insurance claim can be. Our dedicated claims team can support you through the different stages of the process, from the initial review and insurer communication through to settlement discussions and, where applicable, reinstatement.
It is straightforward to get started. Contact ILA and one of our claims specialists will take the initial details and explain what information may be needed. The enquiry can then be passed to the appropriate member of our experienced claims and loss adjusting team, who will discuss the circumstances and whether we can assist. Where appropriate, the onboarding process may also be completed at the property.
Once you have signed a mandate, we can contact the insurer to confirm our involvement and begin managing the insurer-facing communication. This forms part of our wider insurance claims management service.
Depending on the nature of the loss, suitable surveyors, restoration specialists or contractors may also be asked to inspect accessible damage and provide supporting evidence. The insurer will still make its own decision on policy coverage and liability.
We will discuss the available options with you and, where appropriate, negotiate the claim using the policy terms, repair information and supporting evidence available.
If reinstatement works are agreed, ILA may help coordinate suitable contractors and oversee the work within the agreed scope. Alternatively, the insurer may propose a cash settlement, which can be reviewed with you before you decide how to proceed.
Throughout ILA’s involvement, the team will aim to keep you informed about progress, explain important decisions and identify any further information that may be required. Claim timescales and outcomes depend on the policy wording, available evidence, insurer response, extent of the damage and chosen repair or settlement route.
We welcome feedback throughout the process because it helps us understand what clients find useful and where our service can be improved. You can also read reviews from previous ILA clients to learn more about their experiences.
By managing the correspondence, evidence and practical details, we aim to reduce the administrative burden and help you make informed decisions about your claim.
Where ILA manages and negotiates the claim, our standard fee is 10% plus VAT of the relevant settlement amount.
Where a client chooses an ILA-recommended contractor to undertake reinstatement work, the contractor may cover ILA’s fee for the proportion of work they complete. Clients remain free to appoint their own contractor instead.
You can read more about ILA’s service and fee options or contact the team to discuss how the available arrangements may apply to your claim.
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.
The loss adjuster appointed by the insurance company is instructed by and reports to the insurer. Their role may include investigating the circumstances, assessing damage and advising the insurer about policy coverage and the value of the claim.
A representative appointed by the policyholder approaches the claim from the policyholder’s position. ILA can review the damage, policy wording and supporting evidence, communicate with the insurer and assist with settlement discussions.
Our guide explains more about the difference between an insurer-appointed loss adjuster and independent claim support, including who appoints each party and whose interests they represent.
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.
Client Experiences With Independent Loss Adjusters
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.
“Glenn took the time to understand the extreme toll this situation was taking on my family and provided clear, honest and highly effective tactical guidance at every single step. Sue Young was equally exceptional, ensuring seamless communication and keeping the momentum going.”
“Independent Loss Adjusters team Glenn Weatherall and Sue Young have been the most helpful and dedicated team working on our behalf during what was a very difficult insurance claim. They are one of my most very professional company I have ever had the pleasure to work with.”
“And then we found Chris Thompson at ILA. What a relief. He took everything on with a smile, compassion and confidence. His expertise was invaluable in terms of negotiating with our Loss Adjuster.”
“Their staff were friendly, knowledgeable and most professional and organised a loss report within only a few days of my initial call. I highly recommend ILA.”
“ILA are superb at engaging, on your behalf, with insurance companies. They take ownership of the situation for you and work with you to deliver a tremendous outcome. If your insurance claim has stalled, I would recommend you contact Glenn and Sue at ILA - You will be in exceptionally capable hands.”
“They leapt into action and took a complex claim on and helped us immeasurably. As soon as they were involved we felt like the tide had turned and we were no longer in such a vulnerable situation.”
These testimonials describe individual clients’ experiences. Outcomes depend on the policy wording, evidence and circumstances of each claim.
Tell 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.
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.
We can help assess water damage, organise the evidence and present the claim under your policy.
Flood Damage Claim Help
We review the damage, repair scope and reinstatement costs to help you understand the claim position.
Fire Damage Claim Help
We assess the interruption, financial records and policy position when insured damage affects trading.
Business Interruption Help
We review the damage, circumstances and evidence after vandalism or deliberate damage.
Malicious Damage Claim Help
We can assess collision or impact damage and review the repair evidence and settlement position.
Impact damage claim help
We help organise supporting evidence and review the claim position after burglary or theft.
Theft Claim HelpClaim 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 Problems
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.
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Choosing support for a claim is a practical decision. The team’s experience, proposed work, fee and any repair arrangements should be clear before you appoint us.
Our team brings over 70 years’ experience across insurance claims, loss adjusting and property damage support.
We explain the work we propose and how our fee would be calculated before you decide whether to appoint us.
If repairs are needed, we can discuss whether ILA’s recommended contractors are suitable. We’ll explain how that route works and how they can cover our fees on your behalf.
Our team draws on claims and loss-adjusting training. Independent Loss Adjusters Ltd is authorised and regulated by the Financial Conduct Authority for insurance distribution activities.
Seven common property insurance claim mistakes to avoid, from incomplete records and inaccurate information to overlooking policy requirements or unclear insurer communications.
How an average clause can reduce a property insurance settlement where cover is insufficient, and what to check about sums insured, valuations and policy wording.
Practical home insurance claim tips covering policy wording, evidence, inspections, repair proposals and settlement decisions, with steps to help present relevant information clearly.