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When disaster strikes—whether it’s a storm damaging your roof or water flooding your property—filing an insurance claim is often your first step toward recovery. Yet, for many Airdrie residents and business owners, the process can feel frustrating and overwhelming, especially when insurers undervalue claims or delay payouts.
Insurance companies make profits by reducing claim settlements wherever possible. Most policyholders accept the first offer they receive, unaware that they could be entitled to much more. This is where a loss assessor comes in. By representing your interests and ensuring you’re treated fairly, a loss assessor can make the difference between an underpayment and a settlement that fully covers your losses.
Keep reading to discover why claims in Airdrie are often so complex, the strategies insurers use to minimise payouts, and how working with a loss assessor can help you get what you’re owed.
Airdrie and the surrounding areas experience severe weather events, from heavy rainfall to high winds. However, your insurer may dispute the cause of damage, claiming it’s due to pre-existing issues like wear and tear rather than the storm itself.
For flood claims, insurers might argue that some damage is due to rising groundwaters (sometimes excluded from cover) instead of flooding. These disputes leave many claimants with insufficient settlements to repair their properties.
The unstable ground in certain parts of Scotland has led to increased subsidence claims. Insurers may minimise payouts by suggesting the movement is “natural” rather than due to covered events, leading to disagreements over responsibility and compensation.
Many properties in Airdrie feature older or non-standard construction. Insurers often claim that repairs are excessively expensive or unnecessary, making it harder for homeowners to access fair settlements.
For business owners, claim settlements can be even more challenging. Losses related to stock, equipment, or revenue are frequently undervalued, leaving businesses struggling to recover. Many insurers offer inadequate compensation for property damage or suggest subpar repair options to minimise costs.
Insurance companies often present an initial payout that is 20-30% lower than what policyholders are entitled to. This first offer rarely accounts for hidden costs such as temporary accommodation, loss of income, or damage that only becomes apparent later.
Once you accept the offer, the claim is closed, and you can’t request more—even if additional damage is discovered. A loss assessor can step in to review your payout, identify insufficiencies, and negotiate a better settlement on your behalf.
Imagine a homeowner whose property is damaged by a storm. The insurer offers £18,000 to cover repairs, but a local contractor’s quote suggests the cost is closer to £25,000. By questioning the payout and working with a loss assessor, the homeowner could secure the higher amount—ensuring their property is restored properly without paying out-of-pocket.
Insurance companies sometimes slow down the process by requesting unnecessary documents or labelling evidence as insufficient. This tactic puts pressure on claimants to accept lower payouts just to put an end to the prolonged process.
Loss assessors can cut through these delays by ensuring the process moves efficiently. They know which documents are genuinely required and hold insurers accountable for timely responses and fair treatment.
Damage to commercial properties can significantly impact business operations, making fair settlements critical for recovery. However, business claimants often face additional challenges in securing adequate compensation.
A loss assessor can ensure every element of your claim—from stock valuation to revenue impact—is accounted for, helping your business recover faster and more effectively.
When your insurer appoints a loss adjuster, it might seem like they’re working to help you. However, it’s vital to understand that loss adjusters represent the insurer, not you.
On the other hand, a loss assessor works exclusively for you, the policyholder. Their priority is securing a fair settlement that fully addresses your loss.
Use this simple 3-question test to evaluate whether your payout is adequate.
If your settlement doesn’t pass the test, consider working with a loss assessor to review it. Many offer free consultations before you accept the offer.
Not all loss assessors are created equal. Here are key factors to consider when hiring one.
Many Airdrie policyholders are settling insurance claims for far less than they’re entitled to simply because they don’t realise they can challenge the offer.
Whether your claim is in progress or already settled, a loss assessor can provide expert advice, negotiate on your behalf, and ensure you’re treated fairly. The process doesn’t need to be stressful—there are professionals ready to help.
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