City Amman

If you’ve ever made an insurance claim, it’s likely you’re familiar with the role of loss adjusters.They are the people, put in place by your insurance company, whose job is to find a way to bring down the value of your claim.Unlike yourself, loss adjusters entire working day is taken up with insurance claims.Therefore, the details, the wording and the interpretation of insurance law is second nature to themThey deploy this mastery, in as cunning a way as possible, to get your claim down to the minimum amount. This advantage is exploited in two main ways. First of all, by turning your lack of knowledge in their favour; since the legalities are difficult to comprehend, you are often unaware of the things for which you can claim.Secondly, the adjuster has multiple tricks up his sleeve in the form of legal loopholes which ensure his bosses don’t have to pay out. Mrs S, a landlady whose house was ripped apart by tenants who had converted it to a cannabis farm, was dismayed when her insurance company tried to ‘hide behind small print to reject my claim’.They argued that the grotesque disfigurement to the property was not ‘malicious in nature’. Loss adjusters are a key component in insurance company profitability.With a large claim, particularly in business insurance, five-figure savings and upwards are the norm. Happily, if you need to make a claim then help exists in the form of the loss assessor: an insurance expert who works for your interests.an insurance law professional who is going to be working for you.Unlike yourself, a loss assessor has the technical and legal firepower necessary to take on the loss adjuster,giving you the vital support you need when you’re at probably your lowest ebb.Furthermore, the assessors are often able to use their expertise to identify other things for which you can claim,things you would probably not have discovered.Thus, the fee the loss assessor charges is almost always absorbed by the increase in the payout he or she will secure for you. Mrs S was shrewd enough to appoint Ray Truman of Truman Associates, a big player in the loss assessment field.Truman spotted a contract clause relating to vandalism which meant the insurers failed to wriggle off the hook and had to concede the full £49,000 claim.’Ray Truman worked doggedly and with passion to fight on my behalf,’ explains Mrs S.Thank goodness for Ray and his determination never to give up.’When your insurance claim is under attack, loss assessors are there to ride to your rescue.