We Fight
For Your Claim
Over 15 years of experience ensuring homeowners, landlords, and businesses get the insurance settlement they deserve. No hidden fees. Maximum payouts.
What Is a Loss Assessor and Why Do You Need One?
When your property is damaged, your insurance company appoints a loss adjuster to assess the claim on their behalf. Their job is to manage the insurer's costs. A loss assessor does the opposite — we work exclusively for you, the policyholder, to ensure your claim is properly documented, correctly valued, and settled for the full amount you are entitled to.
Home Claims Assist provides specialist insurance claim management for homeowners, landlords, and business owners across the UK. Whether you are dealing with fire damage, flood damage, storm damage, burst pipes, or impact damage, our qualified loss assessors handle the entire claim from initial inspection through to final settlement.
With over 15 years of experience and more than £50 million recovered for our clients, we understand how insurers operate and what it takes to achieve a fair outcome. There are no upfront fees — we only get paid when your claim settles. To find out how our team can help, take a look at how our claims process works or get in touch for a free, no-obligation consultation.
Our Services
Whether you're a homeowner, landlord, or business owner, we have the expertise to manage your insurance claim from start to finish.
Homeowners
Homeowners
We guide you through the entire insurance claim process and ensure you are back home as quickly as possible. From initial assessment to final settlement, our experts handle all the paperwork and negotiations.
- Full claim management
- Alternative accommodation
- Maximum settlement
98%
Success Rate
Business Owners
Business Owners
We help you stay in control throughout the insurance claim process in order to safeguard your company's future. Minimising downtime and ensuring business continuity is our priority.
- Business interruption claims
- Stock & inventory loss
- Revenue protection
£50M+
Recovered
Landlords
Landlords
We guide you through the insurance claim process and ensure you are able to re-let your property as quickly as possible. We handle tenant liaison and reinstatement works supervision.
- Rental income recovery
- Tenant management
- Property reinstatement
2,500+
Claims Handled
Perils We Cover
Whatever disaster has struck your property, we have the expertise to handle your claim and get you the settlement you deserve.
Fire Damage
Fire can devastate your property in minutes. Our experienced loss assessors will ensure your fire damage claim is handled swiftly and you receive the maximum settlement for repairs, contents, and alternative accommodation.
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Flood Damage
From burst riverbanks to flash flooding, water damage requires immediate action. We manage the entire process including emergency mitigation, drying, and full reinstatement of your property.
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Burst Pipes
Escape of water from burst pipes is one of the most common claims. We ensure all hidden damage is identified, properly documented, and fully covered in your settlement.
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Storm Damage
High winds, heavy rain, and lightning can cause significant structural damage. Our team will assess the full extent of storm damage and negotiate with your insurer for complete repairs.
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Impact Damage
Vehicle collisions, falling trees, or other impacts to your property can be traumatic. We handle the complex claim process so you can focus on getting your life back to normal.
Learn MoreWhat Does a Home Insurance Claim Cover?
A home insurance claim can cover far more than most policyholders realise. Understanding what you are entitled to is the first step towards a fair settlement. Our independent loss assessors review every aspect of your policy to identify the full scope of your claim.
Building Insurance Claims
Building insurance covers the structure of your property — walls, roof, floors, fitted kitchens, bathrooms, and permanent fixtures. Claims can include structural repairs, damp-proofing, rewiring, replumbing, and full reinstatement to the condition your property was in before the damage occurred. Professional fees such as surveyor and architect costs are also typically covered.
Contents Insurance Claims
Contents insurance covers your personal possessions — furniture, electronics, clothing, jewellery, and household items. After property damage, many policyholders underestimate the value of their contents or forget to include items stored in lofts, garages, and sheds. We prepare a detailed contents inventory to ensure nothing is missed from your claim.
Alternative Accommodation
If your property is uninhabitable while repairs are carried out, your policy typically covers the cost of temporary accommodation. This includes rental costs, storage for undamaged belongings, and additional living expenses. We ensure your insurer provides suitable accommodation for the full duration of reinstatement works.
Many claims also include professional cleaning, debris removal, emergency boarding, and loss of rent for landlords with tenanted properties. For business owners, commercial policies can cover business interruption, loss of stock, and increased cost of working during the reinstatement period.
Years Experience
Claims Handled
Success Rate
Claimed for Clients
Why Use Home Claims Assist?
Don't just take our word for it. See how we've helped homeowners get the settlements they deserve.
Over 2,500 claims settled • 98% success rate • Free consultation
Start Your Claim TodayHow Does the Claims Process Work With a Loss Assessor?
When you instruct Home Claims Assist, we take over the management of your insurance claim from day one. Our claims process starts with a free initial assessment where we review the damage, examine your insurance policy, and advise you on what you can claim for. There is no charge for this consultation and no obligation to proceed.
If you choose to work with us, we prepare a fully documented claim including a schedule of damage, supporting photographs, contractor estimates, and any specialist reports required. We then submit the claim to your insurer and manage all communication with their loss adjuster, claims handler, and any third-party surveyors or engineers involved.
Throughout the process, we keep you informed at every stage. Our loss assessors handle the paperwork, chase delays, challenge low settlement offers, and negotiate until we reach an outcome that properly reflects the cost of putting your property back to the condition it was in before the damage occurred.
Why Instruct an Independent Loss Assessor?
Insurance companies employ loss adjusters to protect their own interests. The adjuster's assessment will typically reflect the lowest reasonable settlement the insurer can justify. Without professional representation, most policyholders have no way to challenge that figure or know whether it is fair.
An independent loss assessor acts solely on your behalf. We are not employed by the insurance company and we have no relationship with your insurer. Our only objective is to secure the highest legitimate settlement for your claim. We understand policy wording, we know how insurers calculate settlements, and we have the experience to identify when an offer falls short of what you are entitled to.
Our service is provided on a no-win, no-fee basis. Our fee is a pre-agreed percentage of your successful settlement, confirmed in writing before we begin any work. If your claim does not settle, you pay nothing. This means our interests are fully aligned with yours — the more we recover for you, the better the outcome for both of us.
If you have suffered property damage and need help with your insurance claim, contact us for a free, no-obligation consultation. We are available to take your call from Monday to Friday, and our loss assessor guide explains in detail how we differ from the insurer's loss adjuster.
Start Your Claim Today
Don't let your insurance company undervalue your claim. Contact us now for a free, no-obligation consultation and find out how much your claim could be worth.