Heidi Cullett

If you’ve had dealings with the insurance industry, you’ll know about loss adjusters.These shadowy figures are the professionals, appointed by the insurance companies, whose job is to shrink your claim to the lowest possible amount.In contrast to you, loss adjusters spend every working hour looking at insurance claims.Thus, they are expert in the legalities, wording and interpretation of the innumerable statutes that can come into play in any given insurance claim.They deploy this mastery, in as cunning a way as possible, to get your claim down to the minimum amount. They manage this in two key ways. Firstly, by trading on client ignorance; since the technical details of insurance contracts are difficult to understand, clients are often unaware of what can be included in their claim.Second, the adjuster has numerous ways of invoking legal loopholes that allow his bosses to escape paying out on any given part of your claim. Mrs S, a landlady whose house was ripped apart by tenants who had converted it to a cannabis farm, was dismayed when her insurance company tried to ‘hide behind small print to reject my claim’.The underwriters claimed that though the modifications were extensive they had not been ‘malicious in nature’. Loss adjusters are a key component in insurance company profitability.With a large claim, particularly in business insurance, five-figure savings and upwards are the norm. Happily, if you need to make a claim then help exists in the form of the loss assessor: an insurance expert who works for your interests.an insurance law professional who is going to be working for you.Unlike you, a loss assessor has the legal and technical knowledge necessary to confront the loss adjuster,giving you the vital support you need when you’re at probably your lowest ebb.Furthermore, the assessors are often able to use their expertise to identify other things for which you can claim,things you would probably not have discovered.As a consequence, the fee you pay to the assessor will be redeemed, often many times over, by the increased payout you receive. Mrs S was lucky enough to engage the services of Ray Truman of Truman Associates, pioneers in the field of loss assessment.Truman was able to invoke a clause in the contract that dealt with vandalism and the insurers caved in and coughed up for the full £49,000 claim.Ray Truman worked doggedly and with passion to fight on my behalf’ commends Mrs S.Thank goodness for Ray and his determination never to give up and for winning the day in the end.’When your insurance claim is under attack, loss assessors are there to ride to your rescue.