Independent & FCA-regulated loss assessors
Maximise your insurance settlement. No upfront cost to you.
Independent loss assessors working for homeowners and businesses across the North West of England and North Wales. We manage your insurance claim from start to finish, helping reduce delays, avoid disputes and secure you the best possible settlement.
Free initial consultation
No obligation. We’ll review your insurance policies and tell you honestly if we can help.
No win, no fee
If we don’t recover a settlement under your policy, you don’t pay us.
Flexible fee solutions
Our fee is typically covered within the reinstatement works linked to your claim.
How can we help?
Support for homeowners and businesses
Help with home insurance claims
From fire and flooding issues to subsidence and storm damage, we help manage the claim on your behalf from start to finish.
Help with business insurance claims
Property damage, business interruption and loss of income claims handled professionally so you can focus on keeping your business running.
For first-time claimants
Why hire a loss assessor?
As an independent loss assessor, we work for you, not your insurance company.
Making an insurance claim can feel stressful, especially when you’re already dealing with damage to your home or business.
RSL Claims provides straightforward support to help you navigate the claims process and understand your next steps. Early involvement helps reduce delays, avoid misunderstandings with insurers and improve the chances of achieving the maximum settlement figure under your policy terms.
With years of experience in building damage assessment, insurance claims negotiation and reinstatement works, we understand what insurers require and how to present your claim clearly and professionally.
Founder · Chartered Loss Adjuster
Meet the founder
Experienced, independent & on your side
In the changing landscape of insurance, the service you once got from insurers and loss adjusters is no longer there. Coming from a background as a Chartered Loss Adjuster working for insurers, it was the declining service levels that pushed me into starting this business over 20 years ago.
Rob Spence – Managing Director, Chartered Loss Adjuster.
35+
YEARS’ EXPERIENCE
2003
FOUNDED
+30–50%*
AGAINST INSURER’S FIRST OFFER
*Range achieved across recent claim settlements.
Regulated and accredited by
The process
How we work your claim, step by step
From your first phone call through to settlement, we handle the paperwork, negotiations and coordination so you can focus on getting things back to normal.
1
Free consultation & site visit
We arrange a free consultation within 24 hours, followed by a prompt site visit to assess the damage, understand your goals, and flag hidden risks like underinsurance or secondary damage.
2
Navigating your path
Once you appoint a loss assessor from RSL Claims, we handle communication with your insurer and loss adjuster, guiding you through the claims process while raising urgent matters such as accommodation needs, emergency repairs and interim payments.
3
Building your claim
We gather surveys, surveyor reports and supporting evidence, prepare reinstatement schedules and contents lists, and organise invoices and costings, helping the policyholder prepare the claim clearly and professionally.
4
Negotiation & settlement
We manage negotiations with the insurer and loss adjuster on your behalf, presenting your claim properly and working towards a fair settlement offer that reflects the full extent of the damage.
5
Restoration & sign-off
Our trusted contractors restore your property to its pre-loss condition with your approval throughout the process. We recover any outstanding payments and only sign off once you’re happy with the outcome.
Specialist coverage
Insurance claims we handle
For home or business insurance claims, our insurance claims specialists manage the process from first notification through to final settlement.
Fire
Fire damage
From kitchen fires to major property losses, we manage the assessment, repairs and negotiations on your behalf, working to help you receive a fair settlement.
Water
Burst pipes & water damage
We help identify the source of damage, coordinate drying and repairs and present the full claim to your insurer.
Flood
Flood damage
From drainage failures to severe flooding, we oversee surveys, strip-out works and reinstatement.
Storm
Storm damage
Roof damage, fallen trees and water ingress claims are professionally documented and negotiated.
Impact
Impact damage
Damage caused by vehicles, falling objects or structural impact is assessed and managed from start to finish.
Subsidence
Subsidence
Long-term and complex claims requiring specialist oversight, including monitoring, surveys and structural repairs.
Theft
Theft & break-ins
From forced entry to stolen belongings, we help document losses properly and present the full claim to your insurer.
Contents
Damaged contents
We help prepare and value contents claims clearly, supporting everything from everyday belongings to high-value items.
Get in touch
Not sure what type of claim you have?
Every claim is different. Get a free consultation, no obligation.
Fire
Fire damage
Helping businesses recover from property damage, stock loss and operational disruption.
Water
Burst pipes & water damage
We coordinate drying, repairs and claim management while helping minimise disruption to your business.
Interruption
Business interruption
We work alongside accountants and specialists to present lost income and increased cost claims properly.
Flood
Flood damage
Managing surveys, repairs and reinstatement while helping keep your business operational where possible.
Storm
Storm damage
Claims relating to roofing, signage, structural damage and external property damage are handled professionally.
Impact
Impact damage
Vehicle impact and structural damage claims managed from assessment through to reinstatement.
Theft
Theft & break-ins
We manage break-ins, stolen equipment and criminal damage claims while working to minimise disruption to your day-to-day operations.
Stock
Stock & inventory
We help document damaged or stolen stock properly, supporting claims for lost inventory and business interruption.
Contents
Damaged contents
From office equipment to specialist machinery, we document and manage business contents claims clearly and professionally.
Real client feedback
What our clients say
Reviews from homeowners and business owners across the North West of England and North Wales.
Where we work
Expertise across the North West of England and North Wales
Working across the region gives us practical local knowledge that national insurance claims consultants often lack. We understand the housing stock, commercial properties, contractors and recurring damage issues seen across the North West of England and North Wales.
Bolton
Chester
Crewe
Formby
Lancashire
Liverpool
Manchester
North Wales
Preston
Southport
Tarporley
Warrington
Wilmslow
Wirral
Wrexham
Not listed? Get in touch. We regularly work within a 50–100 mile radius of our Hoylake office.
Get in touch
Free 15-minute consultation. No obligation.
If we can help with your insurance claim, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction.