What is a loss assessor?

A loss assessor is a professional who works on behalf of the policyholder (you) to manage and negotiate your insurance claim. Unlike a loss adjuster who works for the insurance company, a loss assessor ensures your interests are protected and your claim is maximised.

How much does a loss assessor cost?

Home Claims Assist offers free initial consultations and property assessments. Our fee structure is agreed in writing before we start any work, so there are no surprises.

What types of insurance claims do you handle?

We handle all types of property insurance claims including fire damage, flood damage, burst pipes, storm damage, and impact damage for homeowners, landlords, and business owners across the UK.

How long does an insurance claim take?

The duration of an insurance claim varies depending on the complexity and severity of the damage. Simple claims can be settled in weeks, while complex claims may take several months. Our team works to expedite the process and keep you informed at every stage.

Edinburgh Office

Loss Assessor Edinburgh

Home Claims Assist is an independent loss assessor in Edinburgh, representing the person making the claim rather than the insurance company. Our office is on Hill Street in the New Town, and we handle home and business insurance claims across Edinburgh and the Lothians, including listed Georgian buildings and shared tenement blocks.

Get In Touch

020 3410 8351

3 Hill Street, New Town, EH2 3JPGet directions

Our Edinburgh Office

Where to Find Us in Edinburgh

Our Edinburgh office is at 3F1, Third Floor, 3 Hill Street, EH2 3JP, in the First New Town. The 3F1 follows the traditional Edinburgh way of numbering tenement flats: third floor, flat 1. Historic Environment Scotland's listing for No. 6 Hill Street, which is Category A listed, describes the street as a significant surviving part of the original fabric of Edinburgh's New Town.

Charlotte Square and Princes Street Gardens are both about five minutes away on foot, and St Andrew Square is a little further east.

Edinburgh is a regional office without its own phone line. Call our enquiries number, 020 3410 8351, or use our contact form, and a loss assessor will visit the property to assess the damage and manage the claim with your insurer.

Getting to our Edinburgh office

Princes Street: Edinburgh Trams stop, about a 5-minute walk
St Andrew Square: Edinburgh Trams stop, about a 10-minute walk
Edinburgh Waverley: National Rail, about a 10 to 15-minute walk

Home Claims Assist Edinburgh

New Town, Edinburgh

3F1, Third Floor
3 Hill Street, New Town
Edinburgh
EH2 3JP

Enquiries: 020 3410 8351Monday to Friday, 9:30am to 5:30pm
Email: info@homeclaimsassist.co.uk

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Local Knowledge

Insurance Claims in Edinburgh: What We See

Heritage protection, flat living and exposed weather all shape how claims are handled in Edinburgh.

Repairs inside a World Heritage Site

The Old and New Towns of Edinburgh became a UNESCO World Heritage Site in 1995, and Historic Environment Scotland says more than 75% of the buildings within it are listed. The New Town, planned in 1767, is the largest and best-preserved example of Georgian town planning in the UK.

Work that affects a listed building's character needs listed building consent from the City of Edinburgh Council, and carrying it out without consent is a criminal offence. After a fire, flood or storm, that can mean natural stone, traditional slate and timber sash windows rather than modern substitutes, and the claim has to be valued on that basis.

A city of flats and tenements

Scotland's Census 2022 found that more than half of Edinburgh's residents live in flats. From Georgian tenements in the New Town to the Victorian, Scots Baronial tenements of Marchmont and Bruntsfield, most flats share a roof, stair and walls with their neighbours.

Under the Tenements (Scotland) Act 2004, each owner must insure their flat for reinstatement value, often through a common block policy arranged by a property factor. A leak or storm can touch several flats and policies at once, so we pin down who is responsible for what before the claim is presented. It is also worth checking that the floor-and-flat style address on your policy schedule matches your title deeds.

Storms and the Water of Leith

The Water of Leith flooded badly in April 2000, and the flood prevention scheme completed in 2018 now protects more than 400 homes between Murrayfield and Bonnington. Wind is the more frequent problem. Storm Éowyn in January 2025 brought down more than 40 trees at the Royal Botanic Garden Edinburgh, and Storm Babet in October 2023 closed Princes Street Gardens and Edinburgh Castle.

Tall stone buildings with chimney stacks and slate roofs take the brunt of high winds. Our storm damage claims page explains how we deal with insurers who put the damage down to wear and tear.

The Midlothian coalfield

The former Midlothian coalfield lies to the east and south-east of the city, where deep mining ended with the closure of Monktonhall Colliery in 1997. Damage caused by past coal mining is handled by the Mining Remediation Authority, formerly the Coal Authority, rather than as an ordinary home insurance claim, so the cause of any cracking needs to be established first.

Claims We Handle in Edinburgh

Areas We Cover Around Edinburgh

From Hill Street we cover Edinburgh, the Lothians and beyond, and our loss assessors travel to properties anywhere in the UK.

Edinburgh
Leith
Portobello
Midlothian
East Lothian
West Lothian
Fife
Scottish Borders
Dalkeith
Musselburgh
Livingston
Dunfermline

Our nearest offices to Edinburgh

See all our office locations

We've Got Answers

Frequently Asked Questions

Does the Edinburgh office have its own phone number?

No. Calls for Edinburgh go to our enquiries line, 020 3410 8351, which is open Monday to Friday, 9:30am to 5:30pm. You can also send us the details through our contact form.

My flat is in a listed building. Does that change the claim?

It can. Repairs that affect a listed building's character need listed building consent and often traditional materials, which usually adds cost and time. We make sure those requirements are built into the claim rather than discovered after the settlement.

What does 3F1 mean in an Edinburgh address?

It is the traditional way of numbering tenement flats in Edinburgh: the floor, then the flat. 3F1 is the third floor, flat 1. It is worth checking that the address on your policy schedule matches the one on your title deeds.

Where is your Edinburgh office and how do I get there?

We are at 3F1, Third Floor, 3 Hill Street, Edinburgh EH2 3JP, about five minutes' walk from the Princes Street tram stop. The links on this page open directions in Google Maps or Apple Maps, and please call 020 3410 8351 before you travel, as most claims are handled at the property.

Do you cover the Lothians and Fife?

Yes. We cover Midlothian, East Lothian, West Lothian, Fife and the Scottish Borders, and our loss assessors travel to properties anywhere in the UK.

Dealing with an insurance claim in Edinburgh?

From New Town flats to homes across the Lothians, we will give you a free, no-obligation view on your claim.