Homeowners
We get you back into your home as quickly as possible, arranging emergency help and somewhere to stay while it's put right.
- Buildings and contents claims
- Alternative accommodation
- Drying, repairs and reinstatement
Operating throughout the UK for over 30 years
Fire or flood damage? Expert help with your insurance claim.
We help homeowners, landlords and businesses recover from fire, flood and other damage. We manage your claim from start to finish, so you can focus on getting back to normal while we make sure you receive everything you're entitled to.
- Free, no-obligation assessment
- No win, no fee
- FCA regulated
- Over 30 yearsmanaging insurance claims
- IPLA membersInstitute of Public Loss Assessors
- FCA regulatedReg No 308042
- Southern officeCobham, Surrey
Who we help
Expert representation for every kind of property
Whether it's your home, your business or a property you let, we take the claim off your hands.
Businesses
We protect your cash flow and get you trading again, including a full claim for your business interruption loss.
- Commercial fire and flood
- Business interruption
- Stock and machinery
Landlords
We deal with the insurer and the repairs, and claim for the rent you lose while the property can't be let.
- Loss of rent
- Multi-tenancy properties
- Reinstatement and repairs
Claims we handle
All claim types
Whatever's happened, we can help
Fire and smokeHomes, factories and multi-occupancy buildings
FloodDamage from rising or flowing water
Escape of waterBurst pipes, leaks and water ingress
Storm damageRoofs, walls and contents
Theft and burglaryStolen property and break-in damage
SubsidenceCracking and ground movement
Impact damageVehicles and other impacts
Business interruptionLost income while you recover
Know your rights
Your insurer has an expert on its side. Shouldn't you?
A loss adjuster is appointed and paid by your insurance company. Their job is to investigate your claim and recommend a settlement from the insurer's point of view.
A loss assessor works for you. We prepare and negotiate your claim, deal with the adjuster on your behalf and make sure nothing you're entitled to is missed.
| Question | Loss adjuster | Loss assessor |
|---|---|---|
| Who appoints them? | Your insurer | You |
| Whose interests? | The insurer's | Yours, and only yours |
| Prepares your claim? | No | Yes, in full |
| Negotiates the settlement? | For the insurer | For you |
| Helps you dispute an offer? | No | Yes |
| Who pays them? | Your insurer | No win, no fee |
How it works
We manage every aspect of your claim
From the first call to the final settlement, your dedicated loss assessor takes care of it all.
Secure your property
We organise emergency works and arrange alternative accommodation where it's needed.
Assess the full damage
We identify the full extent of the damage to both your buildings and contents.
Prepare and negotiate
We prepare, present and negotiate your entire claim with your insurer and its loss adjuster.
Oversee the repairs
We help appoint specialist surveyors and contractors, and supervise their work through to completion.
The earlier, the better. Contact us at the start of your claim. Once your insurer's loss adjuster has reported, it can be much harder to challenge their findings.
By the numbers
Decades of experience, working only for you
- 30+years managing insurance claims
- 100+years of family history in loss assessment
- 2UK offices: Cobham, Surrey and Hale, Cheshire
- £0to get started: free first consultation, no win, no fee
Why choose us
Experience you can rely on
A dedicated loss assessor
One expert runs your claim from start to finish, so you always know who to talk to.
Working only for you
We have no ties to your insurer. Your interests are the only ones we represent.
No win, no fee
Your first consultation is free, and we don't get paid until you do.
Specialist support
We bring in legal and other specialists where a complex claim needs them.
A century of family expertise
The Castleton family helped establish the Institute of Public Loss Assessors.
Personal service
Customer care and personal service have been the hallmark of our firm for three decades.
Recent cases
More about us
Real results for our clients
Food factory fire
The claim was refused by insurers. We were instructed and obtained an excellent settlement, which enabled the business to continue trading.
Fire in a multi-tenancy property
The tenants had been left with no help and the landlord was worried about lost rent. With our legal team and associate building company, the claim was soon sorted, the tenants moved back into a refurbished property and the landlord never lost a penny.
Flood at a retail store
The insurers weren't happy to pay the claim. Once our legal specialists were involved, we quickly and decisively reached an excellent settlement.
House fire
Insurers had asked the homeowners to start clearing up and make a contents list. Once appointed, we moved the family to a hotel while our teams reinstated the property. They were delighted with the results.
Areas we cover
Local loss assessors, nationwide reach
We're a nationwide firm. With offices in the South and the North West, we can visit you at your property wherever you are in the UK.
The South of England
Our Southern office in Cobham covers the whole of the South of England, from Kent and Essex to Cornwall, including London.
London · Sussex · Kent · Hampshire · Essex · Berkshire · Oxfordshire · Buckinghamshire · Hertfordshire · Wiltshire · Dorset · Devon and Cornwall
Loss assessors in Surrey
Manchester and the North West
Our head office in Hale covers Greater Manchester, Cheshire, the North West and beyond.
Loss assessors in Manchester
FAQs
See all FAQs
Common questions
Quick answers to the questions people ask us most.
What is a loss assessor?
A loss assessor is an independent professional hired by you, the policyholder, to prepare and negotiate your insurance claim with your insurer. You are our client, so we work for you, with your interests at heart.
Our job is to make sure you receive your full entitlement. Without professional representation, many people never receive the full value of their loss.
My insurer is sending a loss adjuster. Why do I need you?
The loss adjuster visits your property and assesses the damage on behalf of your insurer. It's common practice to appoint your own representation at this point. As your loss assessor, we manage every aspect of your claim to obtain the best possible settlement for you.
When should I contact a loss assessor?
At the earliest opportunity. The start of your claim is the best time, because that's when your insurer instructs a loss adjuster to act on its behalf, not yours. If you appoint a loss assessor after the adjuster's report has gone in, it can be much harder to challenge.
How long will my claim take?
Every claim is different, so there are no set timescales. A straightforward, non-contentious claim generally takes between four and six weeks to settle. More complex or hard-fought claims can take longer. We don't get paid until you do, so we progress every claim as quickly and forcefully as we can.
Advice centre
Visit the advice centre
Helpful guides for your claim
What to do after a fire
A step-by-step checklist for the first hours and days after a fire.
Read the guideWhat to do after a flood or leak
How to stay safe, limit the damage and protect your claim.
Read the guideAnswering your loss adjuster
The questions they'll ask, why they ask them and how to answer.
Read the guideGet your first consultation free
Talk to an experienced loss assessor about your claim. No win, no fee.
Lines open Monday to Friday, 9am to 5pm.