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  • FIRST POST
    • davkt
    • By davkt 31st Dec 07, 1:05 PM
    • 80Posts
    • 20Thanks
    davkt
    Dealing with loss adjusters
    • #1
    • 31st Dec 07, 1:05 PM
    Dealing with loss adjusters 31st Dec 07 at 1:05 PM
    Hi All,
    My astronomical telescope had a bit of an accident and is now so much recyclable glass and metal. The UK importers and service agent say repairs would cost more than replacement (guess telescope technicians cost lots more here than in Taiwan where it was built!)
    On the plus side my home contents insurers say I am covered but that they are passing my case to a loss adjuster to settle. Anyone got any idea what this will involve (have it in writing the scope is trashed, direct replacement available) or any hints how to deal with the loss adjuster?
    Thanks
    David
Page 1
    • FlameCloud
    • By FlameCloud 31st Dec 07, 3:31 PM
    • 1,744 Posts
    • 802 Thanks
    FlameCloud
    • #2
    • 31st Dec 07, 3:31 PM
    • #2
    • 31st Dec 07, 3:31 PM
    It will depend on who they work for- are they independant ones or internal to the insurance company?

    All they will do is come out and have a chat with about how it happened etc. Nothing to be worried about at all.
  • chuckles1066
    • #3
    • 31st Dec 07, 3:38 PM
    • #3
    • 31st Dec 07, 3:38 PM
    The insurance company normally instructs a loss adjuster and pays him.

    However, the loss adjuster invariably asserts that he is independent. But he is the agent of the insurer; supposedly he is independent, but few people who have dealt with LA's really believe that.
    You'll always miss 100% of the shots you don't take - Wayne Gretzky

    Any advice that you receive from me is worth exactly what you paid for it. Not a penny more or a penny less.
    • davkt
    • By davkt 31st Dec 07, 4:06 PM
    • 80 Posts
    • 20 Thanks
    davkt
    • #4
    • 31st Dec 07, 4:06 PM
    • #4
    • 31st Dec 07, 4:06 PM
    Thanks folks, the insurers said they were passing it to a company of loss adjusters so I guess the LA will say they are independant but work for who is paying them! Guess it was the rather strange story involving a telescope and refueling the wood burning rayburn that got them to send him!
  • chuckles1066
    • #5
    • 31st Dec 07, 4:12 PM
    • #5
    • 31st Dec 07, 4:12 PM
    Thanks folks, the insurers said they were passing it to a company of loss adjusters so I guess the LA will say they are independant but work for who is paying them! Guess it was the rather strange story involving a telescope and refueling the wood burning rayburn that got them to send him!
    Originally posted by davkt
    Your insurance company aren't using a firm called Davies Liability are they?
    You'll always miss 100% of the shots you don't take - Wayne Gretzky

    Any advice that you receive from me is worth exactly what you paid for it. Not a penny more or a penny less.
    • davkt
    • By davkt 31st Dec 07, 10:18 PM
    • 80 Posts
    • 20 Thanks
    davkt
    • #6
    • 31st Dec 07, 10:18 PM
    • #6
    • 31st Dec 07, 10:18 PM
    Your insurance company aren't using a firm called Davies Liability are they?
    Originally posted by chuckles1066
    Don't know, its Royal and Sun Alliance, just said I'd hear from the loss adjusters they were appointing with a working day, so by lunchtime Wed by my reconing.
    • FlameCloud
    • By FlameCloud 1st Jan 08, 9:37 AM
    • 1,744 Posts
    • 802 Thanks
    FlameCloud
    • #7
    • 1st Jan 08, 9:37 AM
    • #7
    • 1st Jan 08, 9:37 AM
    RSA have their own internal loss adjusters so if they are outsourcing they either have issues with you claim or are simply too busy.

    Their main job is to either accept or decline liability for the claim.
    • fruitpie
    • By fruitpie 1st Jan 08, 10:29 PM
    • 198 Posts
    • 24 Thanks
    fruitpie
    • #8
    • 1st Jan 08, 10:29 PM
    • #8
    • 1st Jan 08, 10:29 PM
    Your insurance company aren't using a firm called Davies Liability are they?
    Originally posted by chuckles1066
    May I ask why the " " regarding Davies Liability ??
    • davkt
    • By davkt 2nd Jan 08, 11:54 AM
    • 80 Posts
    • 20 Thanks
    davkt
    • #9
    • 2nd Jan 08, 11:54 AM
    • #9
    • 2nd Jan 08, 11:54 AM
    Oh well, time for promised phone call from the loss adjuster has been and gone so guess I better chase them!
    • davkt
    • By davkt 2nd Jan 08, 9:49 PM
    • 80 Posts
    • 20 Thanks
    davkt
    Ahh well, the loss adjuster says the person who took my call was wasting his and my time as it was a clear cut accidental damage claim covered by the policy. Just asked me to send them some photos of the damage and forward a copy of the email from the UK importer/service agent that says given the part that I broke the scope is beyond repair, which he said the person I spoke to first should have done. So fingers crosse I should be able to sort a new telescope out soon!
  • chuckles1066
    May I ask why the " " regarding Davies Liability ??
    Originally posted by fruitpie
    If you use Google Groups and search for them, they seem to produce more horror stories than the norm.

    Of course, it could just be embittered people who've had claims turned down........however, when a company employs you for your "specialist skills", they usually lay down guidelines as to what results they expect you to produce.
    You'll always miss 100% of the shots you don't take - Wayne Gretzky

    Any advice that you receive from me is worth exactly what you paid for it. Not a penny more or a penny less.
  • mattymoo
    Ahh well, the loss adjuster says the person who took my call was wasting his and my time as it was a clear cut accidental damage claim covered by the policy. Just asked me to send them some photos of the damage and forward a copy of the email from the UK importer/service agent that says given the part that I broke the scope is beyond repair, which he said the person I spoke to first should have done. So fingers crosse I should be able to sort a new telescope out soon!
    Originally posted by davkt
    Good common sense attitude from the adjuster.

    In some ways it does work in your favour having an adjuster. From my own experience working in a large claims department, many of the staff have little experience of life. Many of them are school leavers (as I was at the time) with no real idea about the financial aspects of life or indeed the value of money.

    It would be easy for them to know what an Xbox 360 cost or a mobile phone and they would know if the amount claimed was over stated. However, in your case, if the telescope is semi decent model (not a Tasco cheapie) then the costs can be £300 to several thousand. That would be outside the handlers comfort zone (or indeed their supervisors since claims for telescopes are reasonably rare) so they appoint an adjuster.

    Adjusters tend to be claims handlers with minimum 5 yrs experience (internal) or more for external. Their experience and the face to face meeting often saves time in the long run and reduces the need for lengthy correspondance.
    • fruitpie
    • By fruitpie 6th Jan 08, 10:27 PM
    • 198 Posts
    • 24 Thanks
    fruitpie
    Chuckles - thanks for your reply regarding Davies Loss Adjusters - I searched the groups as you suggested but could not find anything on them. !
    The reason I asked was that my next door neighbour has just had Davies visits them to look at some damage that was done by our neighbour opposite us. He sprayed his 60 foot long fence in 40 - 50 mile an hour winds, resulting in both my house and next door being splattered with creosote.
  • NEMESIS
    Davies
    I have just got of the phone with a rude woman from Zurich.
    She has informed me that Davies will be contacting me to arrange an appointment.

    My garage was broken into on Friday and quite a lot of stuff was stolen.

    I have already done the repairs to the property as they were closed when I called (but I have photos of the damage) so not sure what he is coming to see!

    The stuff I am claiming for is obviously gone and the damage has been repaired...

    Any feedback on these people?
  • ben500
    I have just got of the phone with a rude woman from Zurich.
    She has informed me that Davies will be contacting me to arrange an appointment.

    My garage was broken into on Friday and quite a lot of stuff was stolen.

    I have already done the repairs to the property as they were closed when I called (but I have photos of the damage) so not sure what he is coming to see!

    The stuff I am claiming for is obviously gone and the damage has been repaired...

    Any feedback on these people?
    Originally posted by NEMESIS
    Theft from an outbuilding claims are often grossly inflated by the policyholder, for example if your are claiming for a ride on lawn mower the adjuster will at least be looking to see if you have a lawn and not a postage stamp sized one at that, often the mere sight of an outbuilding will identify that it does not have the storage capacity to accomodate the volume of contents claimed for as another example, if your claim is sound and you have taken all necessary steps then you will have nothing to fear, the adjuster is most likely also to ask you to produce a crime reference number from your local police and perhaps some evidence of some of the items stolen, this can be a receipt, credit card or bank statement, packaging or manuals etc.

    As I said if all is above board with your claim you should have nothing more to fear about the involvement of a loss adjuster other than meeting your maker before he or she gets off their backside and actually does something about your claim prepare for a long haul and lots of telephone calls and the odd missed appointment.
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