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Burglary victim complains after insurer voids policy for under insurance
Decisions and case studies / Case studies
called her insurer to explain the situation, and a loss adjuster interviewed her to get details of the stolen... items on the list, many of which were jewellery. The loss adjuster estimated the value of replacing all the... at £120,000. When the insurance company got the
Published 06/03/2019 Last updated 11/07/2025
Insurer accepts liability 50/50
Decisions and case studies / Case studies
driver had denied responsibility – and neither a loss adjuster nor an engineer had been able to decide
Published 31/05/2019 Last updated 11/07/2025
Consumer questions loss adjuster's valuation after fire
Decisions and case studies / Case studies
electrical fire, he got in touch with us as he felt the loss adjuster’s valuation was wrong. ... his insurer to make a claim and they sent their loss adjuster to inspect the damage. They estimated the... he complained to the insurer. He questioned the loss
Published 07/03/2019 Last updated 11/07/2025
Consumer complains about impact of underinsurance
Decisions and case studies / Case studies
made a claim on his policy and the insurer sent a loss adjuster to inspect the damage. The insurer agreed... cost of the property would be £400,000 whereas its loss adjuster said this would be £800,000. It said this
Published 19/04/2023 Last updated 11/07/2025
Mis-matched repairs after caravan damage
Decisions and case studies / Case studies
What we said We checked the reports from the loss adjuster and correspondence with the original manufacturer
Published 05/04/2019 Last updated 11/07/2025
Insurer doesn't give enough information on using online valuation calculator
Decisions and case studies / Case studies
called her insurer to make a claim. The insurer's loss adjuster visited the house to assess the damage
Published 07/03/2019 Last updated 11/07/2025
Ceiling collapse caused by insured event, but insurer still declines claim
Decisions and case studies / Case studies
wouldn't have indicated the problem. Her insurer's loss adjuster also gave us photos of the damage. We didn’t
Published 14/03/2019 Last updated 11/07/2025
Subsidence and other types of ground movement
For businesses / Complaints we deal with / Insurance / Home and buildings insurance
claim notes and correspondence loss adjuster notes claim notes/loss adjuster notes timeline schedule... carry out a thorough investigation into the cause of loss or damage caused by subsidence. Monitoring over... evidence/reports/photos – such as: the
Published 01/06/2019 Last updated 31/07/2023
A customer doesn’t account for increases in the value of gold
Decisions and case studies / Case studies
bracelet. The insurer instructed a loss adjuster to assess the claim. He looked at the details... £8,500. The insurer received the loss adjuster’s report and offered to pay Mohammed £4
Published 07/03/2019 Last updated 11/07/2025
Accidental damage
For consumers / Complaints we can help with / Insurance / Home and buildings insurance
outcome of your complaint. Loss of function Sometimes damage results in a loss of function – for example... a report, including photos, from a surveyor, loss adjuster or other expert customer testimony... just physical damage – it can
Published 27/07/2021 Last updated 16/10/2023
