I’ve been with OMC Claims for just over a year now, and one thing that’s really grabbed my attention is how vital loss assessors are when regular people up and down the country face unexpected disasters. The big question I faced in 2023 is: “When do I need a Loss Assessor?”
Home Insurance: Breaking It Down
So what does a Loss Assessor actually do? Picture your home in chaos — fire, water damage, or some other dreadful disaster. Unfortunately, it’s something that our clients experienced every single day in 2023. Loss Assessors step in as your guide through the mess, working with your insurance broker to make sure you’re not stuck with a hefty bill.
In the modern world of home insurance, it’s crucial to highlight that over 70% of individuals initiate their search for home insurance online rather than through an Insurance Broker. This shift in consumer behaviour implies that the likelihood of being directed to a loss assessor in the event of a disaster is considerably slim, given the absence of a personal broker who could step in and offer valuable suggestions and options.
Navigating the Tricky World of Insurance Claims
Think about the aftermath of a disaster; it’s like being stuck in a movie you never signed up for. That’s when a Loss Assessor becomes your helpful sidekick and expert, guiding you through the chaos and untangling the confusing parts of insurance.
Insurance claims are never a walk in the park, especially if you’re still figuring things out about what your policy actually covers – or indeed does not cover. Loss Assessors are the professionals who make sense of the confusing bits, saving you from the headache of dealing with insurance jargon and small print.
As you would expect, insurance companies aren’t exactly known for handing out cash freely. That’s where the Loss Assessor comes in; the smart negotiator who makes sure you get a claim settlement that reflects the true extent of your losses.
Sorting through insurance paperwork, talking to loss adjusters (the experts that are appointed by the insurance company), and dealing with the complexities of the insurance policies, can often cause avoidable headaches. Some of the complicated correspondence received can be daunting to decipher, let alone respond to. I have seen our Loss Assessors step up day after day to take on these stressful tasks so you can focus on getting things back in order.
So, do you need a loss Assessor? It depends on how big of a mess you’re dealing with and whether you want someone to guide you through the confusing insurance processes. Loss Assessors make sure you get what’s rightfully yours.
If you are facing the challenge of making an insurance claim, ask yourself, “Could I use some help figuring out this insurance mess?” If the answer is ‘yes’, then a Loss Assessor will be the expert you need. Never forget, the team at OMC Claims are here to deliver the best outcome to your claim and we are always ready to give you expert preliminary advice. So, pick up the phone when you need help and you’ll find a ready-made specialist and advocate on your side.