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0151 632 6050

Insurance Claims Consultants

Insurance Claims

Frequently Asked Questions

We hope to explain some of the common questions we get asked on a regular basis, however if your question isn't addressed here, please feel free to contact us on (0151) 632 6050 and our friendly team will be more than happy to assist.

What is the difference between an Independent Loss Assessor or Independent Loss Adjuster and a Loss Adjuster appointed by insurers?

It can be a little confusing and although they sound very similar, the roles are very different.

An Independent Loss Assessor or Independent Loss Adjuster works for you and you alone as your specialist Claims Consultant, guaranteeing that you receive the very best advice and support. Your interests are put first whilst maximising your legitimate claim, and you are assisted with all other aspects required to help you or your business recover from the incident.

A Loss Adjuster works for the insurance company, is paid by them and protects their best interests, which usually means finding ways to avoid the claim or minimise the payment. Loss Adjusters are no longer required by their institute to act impartially.

Why do I need an Independent Loss Assessor / Independent Adjuster?

As Independent Claims Consultants, we act for you, providing the knowledge and expertise to negotiate with the insurance companies. Your Insurance Broker will in some instances help you, but often does not have the requisite time and experience, however is usually happy to know that you are properly represented.

We act as consultants to many major insurance brokers throughout the UK.

Why should I choose Rob Spence Ltd.?

We offer a highly technical, specialised service which is essential to the successful outcome of your claim. There are many potential obstacles and pit falls and we will assist you in navigating the minefield by utilising our experience gained over many years working in the industry.

We are authorised and regulated by the Financial Conduct Authority, and fully qualified claims experts with generations of experience in the industry. We are registered for data protection purposes.

Rob Spence Ltd. is recognised by Insurance Brokers and Insurers as professional Independent Adjusters, and we command their respect due to our integrity and expertise.

We make certain that you are treated fairly and that your best interests are protected. We aim to obtain the best available settlement quickly, and will manage the detailed negotiations with your insurer or their adjusters giving your claim the utmost diligence and care in a friendly and helpful way.

Who pays the fees associated with your services and what will they be?

The fees are tailored to the client's individual needs and are agreed from the outset so that they know where they stand. Fees are normally a small percentage of the final sum obtained, and paid by the client once payment has been received from the insurance company. The added value we bring to a claim will more than offset the costs incurred.

'No win-No Fee' arrangements are often available and our experience shows that clients are very happy to pay our fees because of the added value that we bring.

For a free consultation, please contact us on (0151) 632 6050 / 3278 and one of our professional claims consultants will be happy to discuss your claim.

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Insurance Claims Consultants