Apart from the insurance companies, there are many independent insurance firms that provide assistance to the insured at the time of filing a claim for their damage. When a person experiences a loss or damage, he/she has a lot of questions, worries and confusions running in his/her mind. For an independent agent it is necessary to read the entire policy and then answer all the queries of the insured. At times, the agent gives his own suggestions or interpretations to the insurer about changes in the policy which can sometimes lead to an embarrassing situation for the agent. This is where loss assessors comes into play. They work in co-ordination with the insured and insurer to cover all the issues.
A loss brings along with it a lot of worries and stress. Person suffering it is under lot of anxiety and mental pressure. At this time he will call the independent agents to report his claim and get him out of this situation. Filing claim followed by all the documentation and paperwork is a very cumbersome job. This is actually the most important part of a claim and a loss assessor can very well handle it without any sort of pressure.
Insured who experiences a loss consults a lot of professional people like insurance agents, legal advisers, contractors. It can be sometimes very infuriating if you do not get any satisfaction from either of them. An independent agent is neutral. He does not want to upset both the insured and the insurer. But the fact is that these both cannot go hand in hand. This is yet another reason why you should prefer loss assessors as they are an outside body. They can make their own decisions without any pressure from the side of the insurer and thus can help the insured more effectively. You can say that a loss assessor is basically an advocate for the insured.
As discussed above, it is very obvious and common that the insurer and the policyholder might have differences of opinions on various issues. An independent agent or a professional insurance adjuster will think from the point of view of obtaining gain from either side. The main motto of a loss assessor is to follow all coverage that the insured is entitled to. He negotiates with all the bodies for the sole benefit of the insured.
It is a grueling task to cope with all elements of a claim and so it should really be performed by a professional who does this on a full-time basis. Thus it is better to hire the services of loss assessors as soon as you experience a loss and are willing to claim for it.
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