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Glossary

Here you will find a list of terminology used in the insurance business with plain English explanations of their meaning.

Adjuster - A representative of the insurer who seeks to determine the extent of the insurer's liability for loss when a claim is submitted.

Assessor - A representative of the insured who seeks to determine the extent of the insurer's liability for loss when a claim is submitted.

Excess - The agreed amount of some or all losses arising under an insurance contract that must be borne by the insured.

Exclusion - A term in an insurance contract, which excludes the insurer from liability for specified types of loss. An exclusion may apply throughout a policy or it may be limited to specific sections of it.

Indemnity - The principle under which a claimant is restored (so far as possible) to the same financial position that they were in immediately prior to the insured loss.

New for Old - In recent years it has become the norm for policies to be issued on a new for old basis. For contents this is the cost of replacing all claimed items as new. A reduction for wear and tear is usually made for items of clothing and household linen.

Reinstatement - To acquire, install and commission such that the insured is returned to pre-loss situation.

Replacement - Where the insurer agrees to replace irreparably damaged or stolen goods with goods of a similar type and quality instead of paying a cash sum to the insured.

UK Loss assessors (loss adjusters) helping with flood damage insurance claims

Water & flood damage insurance claims, burst pipes, blocked drains etc...

UK Loss assessors (loss adjusters) helping with flood damage insurance claims

Fire damage insurance claims are complex, requiring the extensive services of disaster recovery specialists...

UK Loss assessors (loss adjusters) helping with flood damage insurance claims

Storm & weather damage insurance claims...

UK Loss assessors (loss adjusters) helping with flood damage insurance claims

Subsidence & structural damage insurance claims...

UK Loss assessors (loss adjusters) helping with flood damage insurance claims

Burglary insurance claims...

UK Loss assessors (loss adjusters) helping with flood damage insurance claims

Business interruption insurance claims due to fire, burglary, vandalism, etc...

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020 3000 7898

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Certified Claims Management - UK loss assessors helping with property related insurance claims, dealing with insurance company loss adjusters, maximising your payment, minimising settlement time and reducing hassle.

  • Fire damage
  • Water & flood damage
  • Storm damage
  • Subsidence
  • Burglary
  • Business Interruption
  • Bad Faith Insurance Practices

Certified Claims Management are UK based specialist loss assessors in all aspects of insurance claims management and can assist in the preparation and presentation of all domestic and commercial insurance claims resulting from fire, flood, storm, water, burglary, impact damage, subsidence or blocked drains. We work to balance your insurance company's Loss Adjuster's goal of minimising the settlement offer. We are also experienced at exposing and dealing with "Bad Faith Insurance Practices". We work for both the public and businesses. Need advice? Call our team of loss assessors to discuss your insurance claim today on:

020 3000 7898

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