Unless you appoint a claims consultant like Salmon Assessors, you as the policyholder are responsible for all of the above - and a lot more besides. Don't forget - the loss adjuster works for the insurance company and is only interested in looking at the costs once they have been presented to him. He is not responsible for preparing your claim. Even if outwardly friendly and helpful, the loss adjuster reports to the insurance company and must settle the claim as economically as he can.

Unless you happen to be an insurance expert yourself, you simply won't know whether what he is telling you is correct or not, or whether you are getting what you're entitled to. With some insurance companies reporting 300% increases in new subsidence claims following last year's record summer, they are becoming more and more reluctant to pay for underpinning (strengthening the foundations to prevent further movement), opting instead for cosmetic repairs in the hope that the problem won't recur. It is not unknown for insurance companies to 'patch up' properties two or even three times before finally accepting their obligations to solve the cause of the problem.

Engaging specialists like Salmon Assessors to look after your interests is the only way you can be truly sure that you receive your full entitlement. Click here to read more about how we can help you. For a no obligation review of your claim by an experienced consultant.