Frequently Asked Questions

A loss assessor works for you as the policyholder while a loss adjuster is appointed by the insurer. The assessor prepares and presents your claim and negotiates the settlement, whereas the adjuster evaluates the claim on behalf of the insurer. In this region that means your assessor is focused on your interests across Donegal and Derry. If both are involved on the same claim, clear communication helps progress. We coordinate information so decisions are evidence based and recorded.

Yes, we manage home and business claims from first report to settlement. We tailor the process to your property type and policy, which is helpful across local housing styles and mixed commercial sites in the North West. For homes we focus on safe drying, accurate scope and fair contents settlement. For businesses we add stock control, equipment lists and business interruption calculations.

Timeframes vary based on damage type, access and insurer response. Escape of water claims can complete in weeks when access is clear and drying is simple. Fire, oil or subsidence claims can take months due to investigations, safety checks and staged works. We keep you updated and push for steady progress through each stage common in Donegal and Derry. If a decision is delayed we follow up and set out what is needed to move forward.

We discuss fees at the start and confirm them in writing before work begins. The structure reflects the work required. If the scope changes we explain why and what it means for costs. Clients across this area value transparency and the time saved during a stressful period.

Yes, we regularly step in after an adjuster visit to ensure your position is protected. We review notes, fill gaps in evidence and guide the next steps. This is a common request from homeowners and business owners in this region. Early involvement helps shape the scope before works begin.