Dealing with loss adjusters

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
14 replies 14.9K views
davktdavkt Forumite
81 Posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
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
«1

Replies

  • FlameCloudFlameCloud Forumite
    1.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    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.
  • 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.
  • davktdavkt Forumite
    81 Posts
    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!
  • davkt wrote: »
    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!

    Your insurance company aren't using a firm called Davies Liability are they? :eek:
    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.
  • Your insurance company aren't using a firm called Davies Liability are they? :eek:

    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.
  • FlameCloudFlameCloud Forumite
    1.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭
    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.
  • fruitpiefruitpie Forumite
    202 Posts
    Part of the Furniture Combo Breaker
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    Your insurance company aren't using a firm called Davies Liability are they? :eek:
    May I ask why the ":eek: " regarding Davies Liability ??
  • davktdavkt Forumite
    81 Posts
    Oh well, time for promised phone call from the loss adjuster has been and gone so guess I better chase them!
  • davktdavkt Forumite
    81 Posts
    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!
  • fruitpie wrote: »
    May I ask why the ":eek: " regarding Davies Liability ??

    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.
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