Call OMC Claims on 1800 84 80 80 who will carry out a free no obligation review of your reported incident and advise you whether you have a valid claim, what value your claim may be and if it is worthwhile in making the claim. If at that stage you want to proceed with the claim, OMC Claims will then inform the Insurance company and will be better placed to inform insurers about the incident and the likely cost involved.
You should be aware that you must make every effort to minimise the loss, so for instance if you have a leak, you must make sure it is stopped immediately and does not cause any further damage once discovered. You should switch off the water and/or get a plumber to attend as soon as possible. Failure to do so may affect the value of the claim.
In summary, the Loss Adjuster works on behalf of the Insurance company and a Loss Assessor works on behalf of the policyholder. The Loss Adjuster is appointed by the Insurance company to deal with the claim on their behalf and is supposed to be impartial and independent however this is not always the case. The Loss Adjusters fees are paid by the Insurance company, and they also instruct Loss Adjusters on how exactly they should settle claims and most Insurers provide Loss Adjusters with very strict guidelines as to what they can pay out. The Loss Assessor will work on your behalf to ensure that all elements of the claim are addressed, even the ones that you haven’t considered yourself.