Insurance not paid out but charged for loss adjuster by insurance company.

JAYES

HI, question in the title really.

Had some damage to the front of the house which the loss adjuster said was wear and tear rather than storm damage, so did not get any insurance. Anwyay, on renewing the policy, we have discovered that the insurance company placed a claim on the policy for £450 which they say is for the cost of the loss adjuster. I was of the impression that the insurance company employed and paid the loss adjuster and therefore should be paying or at least part paying the costs. Is this unusual and are they allowed to do this? They did not even advise that they were placing this on the insurance. The first we knew about it was when we went to renew and the premium had gone up and noticed a claim of £450 was on there!

Thanks in advance for any help/advice.

huckster

Yes it is correct that this is a cost for the Insurers. Have not come across the Insurers showing the loss adjuster costs as a claim on the policy.

Suggest you ask the Insurance company. Might be worth speaking to the claims department first, as it will be how they have marked the claim on their records, that would have caused this to happen. If you speak to customer services, they probably won't know much about much about the claim records.

The attempted claim will still affect your premium, as Insurers will load the premium slightly to record the fact that you have tried to claim for a loss event.

JAYES

Thanks Huckster, much appreciated.