Advice centre

Questions your loss adjuster may ask

A loss adjuster's questions help your insurer decide whether to pay, and how much. Here's what to expect and how to prepare.

An inspector in a hard hat checking a window
The visit

What they'll ask, and why

Answer clearly and honestly, stick to the facts, and don't guess. If you're not sure, say so and come back to them.

"What happened?"

Why they ask

To compare your account with what your policy covers.

How to answer

Stick to the facts you know. Don't guess or exaggerate.

How we help

We help you give a clear, accurate account from the start.

"When did it happen?"

Why they ask

To check the loss falls within your policy period and was reported promptly.

How to answer

Be as precise as you can about the date and time.

How we help

We make sure your timeline matches the other evidence, such as photos and reports.

"Can you prove what you owned?"

Why they ask

To validate the items you're claiming for.

How to answer

Gather receipts, invoices, bank statements, photos and manuals where you can.

How we help

We build a thorough list of everything you've lost to present to the adjuster.

"How much is your property insured for?"

Why they ask

To check whether you're underinsured, which can reduce your settlement.

How to answer

Have your policy schedule to hand and answer accurately.

How we help

If underinsurance is raised, we challenge it and fight for every penny you're entitled to.

"Have you started any repairs?"

Why they ask

To check any work was necessary and the costs are reasonable.

How to answer

Explain any emergency work you've had done and provide photos and receipts.

How we help

We make sure reasonable emergency costs are included in your claim.

"Have you made any previous claims?"

Why they ask

To check your claims history and what you told the insurer when you took out the policy.

How to answer

Answer honestly and accurately.

How we help

We help make sure your answers are complete and correct.

Be prepared

Before the loss adjuster visits

Having these ready makes the visit smoother and your claim stronger.

Why your own representation matters
  • Your policy schedule and wordingSo you know what you're covered for, and for how much.
  • Photos and videos of the damageTaken before anything was moved, cleaned or repaired.
  • A list of damaged and lost itemsWith approximate ages and values where you know them.
  • Receipts for emergency costsSuch as boarding up, drying equipment and temporary accommodation.
  • A note of what happenedDates, times and a simple timeline while it's fresh in your mind.
  • Your loss assessorIf you've appointed one, they can attend the visit with you.

Need help with your claim?

Speak to an experienced loss assessor for free, no-obligation advice. No win, no fee.

Lines open Monday to Friday, 9am to 5pm.