Loss Assessors – Everything You Need to Know (And Why We’re More Than That)

A loss assessor is an independent professional who works on behalf of the policyholder, not the insurer.

Their role is to:

This is where traditional loss assessors usually stop. Once the claim is agreed, most will:

For many homeowners, this becomes overwhelming, especially when insurers delay, dispute details, or expect them to manage complex reinstatement work alone.

A loss assessor settles the claim. We settle it AND deliver the repairs. We don’t close the file until everything is complete.

Most loss assessors bow out once the insurer agrees a figure.
APC stays involved until your property is fully restored.

We:

• • Attend insurer and loss adjuster meetings
  • Challenge unfair decisions or underinsurance accusations
  • Agree the full scope of works
  • Coordinate approved reinstatement contractors
  • Keep the claim open until the repairs are completed to a high standard

This protects homeowners from common insurer tactics like:

• • “Cash settlement only” offers

  • Reduced drying times

  • Undervalued reinstatement costs

  • Pressure to accept low or incomplete repair scopes

Water is involved in almost every insurance claim – nearly 99% of them – whether from the incident itself or from fire-fighting. This hidden moisture is one of the biggest causes of long-term property damage. If the drying phase is rushed or ignored, mould, odours and structural issues can appear months later.

All Property Claims organises:

• • IICRC / BDMA-accredited drying experts
  • Moisture mapping
  • Thermal imaging
  • Specialist dehumidification
  • Mould prevention treatments

Insurers often try to save on drying costs by suggesting the property will dry out naturally, leading to future damage. We ensure:

• • Correct drying times
  • Correct moisture targets
  • Fully evidenced reports
  • No reinstatement until the property is safe

This alone puts APC above every traditional loss assessor.

Loss assessors hand over a settlement.
APC delivers a complete restoration service.

We coordinate:

• • Fire restoration
  • Flood damage repairs
  • Escape of water reinstatement
  • Structural drying
  • Plastering, decorating, flooring
  • Specialist trades where needed

Your claim stays open until the approved contractors finish the job – a huge advantage over “settlement-only” services.

APC is fully FCA-regulated, representing policyholders with:

• • Expert claims managers
  • Specialist building surveyor
  • Drying technicians
  • Reinstatement coordinators
  • Insurance negotiations experts

Unlike traditional loss assessors who focus mainly on independence, APC combines independence with something more powerful: FCA regulation, specialist claims expertise and complete reinstatement management from start to finish.