Experience
Our team brings over 70 years’ experience across insurance claims, loss adjusting and property damage support.
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Why...
Secure Your Own Independent Loss Adjuster?
We aim to give you back the control you deserve, allowing you to make informed decisions based on your own needs and circumstances. We can also help you make sense of the jargon involved in loss-adjusting services, guiding you through the insurance claim process from the initial assessment through to settlement. Together, we can work towards a fair settlement that reflects the insured loss under your policy.
When you choose Independent Loss Adjusters, you will have your own independent Loss Assessor from our experienced insurance claims team, guiding you through each stage of settling your claim. They will provide clear and practical advice, helping you understand the decisions that need to be made without losing sight of the fair outcome you are seeking.
Your independent Loss Adjuster can negotiate the loss, organise quotations, arrange remedial work and help validate damaged possessions on your behalf. Our insurance claims management support is designed to reduce the administrative burden, minimise disruption to your personal or working life and keep the claim moving wherever possible.
So Why Choose ILA?
We’re glad you asked.
Properly understanding an insurance policy, the laws, rules and endorsements that form part of the contract is a skill set recognised by the Chartered Institute of Insurers, Chartered Institute of Loss Adjusters and others; it can take years to become qualified. However, most people read their policy contract for the first time, are distressed following a loss or damage and are unable to digest the process.
We believe that everyone should have their own Independent Loss Adjuster when they suffer an insured loss or damage at home or in business.
Clear Fees
We explain the work we propose and how our fee would be calculated before you decide whether to appoint us.
Recommended Contractors
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.
Professional Standards
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.
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 discuss the available fee options and understand how they may apply to your circumstances, request free initial claim advice. A member of the team can review the basic details and explain the available options before you decide whether to proceed.
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 your insurance company reports to the insurer and works within its claims process. By appointing your own representative, you have someone focused on reviewing the damage, policy wording, evidence and proposed settlement from the policyholder’s position.
Our guide explains the difference between an insurer-appointed loss adjuster and independent claim support, including who each party represents and the role they may play during the claim.
By appointing Independent Loss Adjusters, you benefit from a separate and more personalised review of your circumstances. We take time to understand the loss, examine the relevant parts of the policy and help ensure that the claim accurately reflects the damage and supporting evidence.
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
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 with insurer communication, evidence, claim decisions, settlement offers and repair concerns. You can also read our insurance claim success stories for more detailed examples of client experiences and claim outcomes.
“My wife (Carly) and I (Stuart) can not thank you enough for what you have done for us. I would recommend you and your team to any one.”
“I was at my wits' end trying to navigate an insurance claim, with everyone involved being obtuse and evasive. Chris answered my pleas and was on the situation immediately. I hope I never have to use a service like this in the future - but if I do, 110% I would use ILA in a heartbeat.”
“Glenn and Sue were very professional throughout and helped me win my claim against Zurich insurance for a bathroom leak. They arranged everything and kept me updated throughout.”
“Glenn handled our case and took ownership, stress was taken from us. He worked with the insurance company and was able to break down the excuses they came back with which resulted in the claim being settled fully.”
“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.”
“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.”
These testimonials describe individual clients’ experiences. Outcomes depend on the policy wording, evidence and circumstances of each claim.
Request Free Insurance Claims 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.
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