Do I need a loss assessor for a water damage claim?
Honest answer: not always. Plenty of small claims are fine to handle yourself. But on a larger, complex or disputed claim, a loss assessor working for you usually recovers far more than they cost.
When you can handle it yourself
If the damage is minor, the cause is obvious and undisputed, and the figure is close to your excess, you can usually manage the claim yourself. Follow our step-by-step guide, document everything, and check the offer before accepting.
When a loss assessor pays for itself
A loss assessor tends to more than earn its fee when any of these apply:
- Significant damage — roughly £10,000 or more.
- The claim is complex — multiple rooms, structural drying, business use.
- Your claim has been denied, delayed or underpaid.
- You simply don't have the time, or the stomach, to fight it.
The bigger the claim, the bigger the case for one
On a high-value claim, the difference between a full and a partial settlement is often many times an assessor's fee.
What a loss assessor actually does
They value the full loss (including the parts insurers often leave out), prepare and present the claim, deal with the insurer's loss adjuster, and negotiate the settlement — so you don't have to.
How much does it cost?
Fees vary (a percentage of the settlement, a fixed fee, or other arrangements). Always confirm the basis before appointing anyone. On a significant claim, the recovery usually outweighs the fee.
Get matched with a vetted loss assessor
Tell us about your claim. We'll say honestly whether an assessor is worth it — and if so, introduce you to a vetted one who works for you, not your insurer.