Loss Adjuster Ireland

A Loss Adjuster is appointed by your insurance company to investigate and assess a claim when your home or business is damaged. They act on behalf of the insurer to confirm the cause, extent, and cost of the loss. Their goal is to make sure the claim falls within the terms of your insurance policy and that the settlement offered is fair according to those terms.

What Does a Loss Adjuster Do?

A Loss Adjuster is a qualified insurance claims specialist who represents the insurance company, not the policyholder. Their main duties include inspecting the property, reviewing evidence, interviewing those involved, and recommending a settlement figure.

For example, if you suffer damage from a burst pipe or a kitchen fire, the insurer will usually send a Loss Adjuster to examine the scene and determine which repairs or replacements are covered. They will also check for safety issues or signs that maintenance could have prevented the loss.

In Ireland, most major insurers, such as Aviva, AXA, and Allianz, appoint independent Loss Adjusters to ensure claims are handled in line with Central Bank of Ireland guidelines on fair claims handling.

When Does a Loss Adjuster Get Involved in a Claim?

Loss Adjusters are normally called in for medium to large-value claims or where the cause of damage needs clarification. Common examples include:

• Fire or smoke damage to your home
• Storm or flood damage after severe weather
• Structural damage following a burst pipe or roof leak
• Theft or vandalism involving significant loss

They will prepare a report for the insurer outlining the likely cost of repairs, replacement value, and any policy limits that apply. Based on this, your insurance company will decide the amount to pay out under your Home Insurance policy.

Loss Adjuster vs Loss Assessor

It’s easy to confuse these two roles. The difference is simple:

• Loss Adjuster: Works for the insurance company.
• Loss Assessor: Works for you, the policyholder.

If you feel you need professional support to prepare your claim or challenge a settlement offer, you can appoint a Loss Assessor to act on your behalf.

A Loss Assessor can gather evidence, negotiate directly with the insurer’s Loss Adjuster, and make sure your claim is presented fairly.

Do I Have to Accept the Insurance Company’s Loss Adjuster?

You’re entitled to ask questions about who will be inspecting your property. While you can’t usually refuse the insurer’s appointed adjuster, you can request full transparency about how the assessment will be carried out. If you believe the outcome is unfair, you’re free to hire your own Loss Assessor for independent advice or seek guidance from the Financial Services and Pensions Ombudsman (FSPO).

Need Help with a Property Claim?

If your home has been damaged by fire, flood, or storm, it’s important to understand how the claims process works before accepting an offer. CompareInsuranceIreland.ie is 100% Irish-owned and partners only with trusted home insurance providers regulated by the Central Bank of Ireland.

Visit our Home Insurance page to compare cover options and find the right level of protection for your property, or call us on 042 935 9090 today.