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  • FIRST POST
    • doire
    • By doire 10th Jun 17, 7:17 PM
    • 2,171Posts
    • 4,498Thanks
    doire
    Claims Adjuster
    • #1
    • 10th Jun 17, 7:17 PM
    Claims Adjuster 10th Jun 17 at 7:17 PM
    Had my home broken into last week and 2 to 3 thousand pounds worth of jewelry stolen.
    Would a claims adjuster look at this case or does there need to be an x amount of money involved before they look at cases?

    Lastly is it worth using a claims adjuster? Or should I just claim against my insurance company (Nationwide building society) myself?

    Thanks


Page 1
    • FutureGirl
    • By FutureGirl 10th Jun 17, 8:12 PM
    • 852 Posts
    • 342 Thanks
    FutureGirl
    • #2
    • 10th Jun 17, 8:12 PM
    • #2
    • 10th Jun 17, 8:12 PM
    If it's only a 2-3k claim I really wouldn't bother using a claims assessor, they will charge you. They're also more hassle as they act as a middle man and will likely get you to sign a contract stating any payment gets sent directly to them first for them to take their cut. You might find they also won't be happy if you contact the insurers regarding the claim after employing them to act on our behalf.

    If it's only jewellery stolen, it's likely that you will be given vouchers for high street stores, or a discounted cash settlement - and the value will depend on what evidence you can provide for the items. IE if you're saying a ring is 18ct gold you'll need to prove that, otherwise the insurance will value it based on a 9ct gold ring.

    Finally, it depends on the insurer, your policy, and the circumstances of the claim as to whether they will use an adjuster. Each insurer is different.
    Capital One:£1,259.40/£1,300.00
    Aqua: £273.29/£300.00
    o2: £221.00 / £271.00
    • doire
    • By doire 10th Jun 17, 8:43 PM
    • 2,171 Posts
    • 4,498 Thanks
    doire
    • #3
    • 10th Jun 17, 8:43 PM
    • #3
    • 10th Jun 17, 8:43 PM
    Thanks. The jeweler we bought them from is to send me a letter detailing what he believes the value of the items to be. We only buy from him


    • FutureGirl
    • By FutureGirl 10th Jun 17, 9:29 PM
    • 852 Posts
    • 342 Thanks
    FutureGirl
    • #4
    • 10th Jun 17, 9:29 PM
    • #4
    • 10th Jun 17, 9:29 PM
    Thanks. The jeweler we bought them from is to send me a letter detailing what he believes the value of the items to be. We only buy from him
    Originally posted by doire
    That won't be particularly helpful in relation to evidence of what you had, as this evidence is after the fact AND he isn't seeing those items.

    You'd ideally need to provide receipts from when you bought them, or valuations if you got them valued. If claiming for diamonds, it will be helpful to include information in relation tot he colour, clarity etc of the diamonds. Does the jeweller not have his records of the items you purchased?

    Without the above the insurer will value items on basic gold weight, and basic diamonds.
    Capital One:£1,259.40/£1,300.00
    Aqua: £273.29/£300.00
    o2: £221.00 / £271.00
    • doire
    • By doire 10th Jun 17, 10:00 PM
    • 2,171 Posts
    • 4,498 Thanks
    doire
    • #5
    • 10th Jun 17, 10:00 PM
    • #5
    • 10th Jun 17, 10:00 PM
    That won't be particularly helpful in relation to evidence of what you had, as this evidence is after the fact AND he isn't seeing those items.

    You'd ideally need to provide receipts from when you bought them, or valuations if you got them valued. If claiming for diamonds, it will be helpful to include information in relation tot he colour, clarity etc of the diamonds. Does the jeweller not have his records of the items you purchased?

    Without the above the insurer will value items on basic gold weight, and basic diamonds.
    Originally posted by FutureGirl
    We have paperwork for one of the items. The jeweler said he doesn't have records going that far back 9 years ago). Best he can do is provide a valuation himself.


    • FutureGirl
    • By FutureGirl 11th Jun 17, 12:18 PM
    • 852 Posts
    • 342 Thanks
    FutureGirl
    • #6
    • 11th Jun 17, 12:18 PM
    • #6
    • 11th Jun 17, 12:18 PM
    Can't see the insurers accepting any evidence after the fact.
    Capital One:£1,259.40/£1,300.00
    Aqua: £273.29/£300.00
    o2: £221.00 / £271.00
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