The types of claims that are submitted vary in circumstance and extent.
As a result, many claims need detailed inspection so, as well as asking you to fill in the appropriate claim form, insurers will use the services of a specialist loss adjuster, where they deem appropriate. The loss adjuster will contact you to arrange a visit to assess your claim and report to insurers, which insurers will pay for. In terms of liability claims, the report will help insurers to decide whether they will settle or defend the claim. For property claims, the loss adjuster will inspect the damage and assist with obtaining repair or replacement estimates where appropriate.