Loss Assessor Ireland

A Loss Assessor is appointed by the public to help policyholders make insurance claims. Their main job is to act on your behalf, preparing and negotiating a fair settlement with the insurer. This can be especially valuable when your home or business suffers damage from events such as fire, flood, or storm.

What Does a Loss Assessor Do?

A Loss Assessor works for you, not the insurance company. They assess the damage, gather reports and evidence, and prepare your claim so that you get the best possible outcome under your property insurance or business policy. Their experience helps ensure that no part of your claim is missed or undervalued.

When Should You Hire a Loss Assessor?

Most people bring in a Loss Assessor when the claim is large or complex. For example, if your property is badly damaged by water, smoke, or fire, an assessor can manage the process from start to finish and handle all communication with the insurer. They can also be useful when you are not satisfied with an insurer’s initial offer.

How Are Loss Assessors Paid?

Loss Assessors in Ireland usually charge a percentage of the final settlement amount rather than an upfront fee. This means they are motivated to secure the best result for you. Before appointing one, it’s always worth agreeing on the fee percentage in writing.

Are Loss Assessors Regulated in Ireland?

Yes. All Loss Assessors must be qualified and authorised by the Central Bank of Ireland. This provides reassurance that they operate to professional and ethical standards. When choosing an assessor, make sure they hold current authorisation and have experience with claims similar to yours.

What’s the Difference Between a Loss Assessor and a Loss Adjuster?

A Loss Assessor represents you, while a Loss Adjuster works on behalf of the insurance company. The adjuster’s role is to assess the insurer’s liability, while the assessor focuses on getting the best settlement for the policyholder.

Frequently Asked Questions

Do I need a loss assessor for all insurance claims?
Not always. They are most useful for large or complex claims, where expert negotiation and supporting paperwork can make a real difference.

Who pays the loss assessor?
You do, but only after the claim is settled. They receive a small percentage of the payout, so their payment depends on securing a successful result for you.

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