The job of a surveyor

What is LIFE insurance?
What is LIFE insurance?
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The work of insurance adjusters is often misunderstood, and far exceeds just assessing the losses.  The value of a professional and meticulous appraisal is often underestimated by policyholders.

An insurance surveyor is a professional specialised in assessing and valuing insurable risks, as well as investigating and determining the causes and extent of damages in case of a claim. Insurance surveyors conduct detailed inspections, document analyses, damage assessments, and issue expert reports to support insurance claims. Their main role is to ensure that claims comply with the policy terms and that compensations are fair and accurate as stipulated in the insurance contract.

Many  policyholders mistakenly believe that a visit from an adjuster to assess damages is unnecessary, relying solely on obtained estimates. This highlights a significant gap in understanding the role of the adjuster and the appraisal process as a whole. It is essential to clarify that an adjuster’s fees are not based on the client’s personal expectations but on an established structure that reflects the complexity and value of the work performed.

The work of an insurance adjuster encompasses several critical stages essential to ensure a fair and accurate assessment:

  • Initial analysis of the loss: First evaluation to determine the viability of the claim.
  • Policy and conditions review: Each policy is unique and requires a detailed review.
  • Proposal analysis:  Consider all available options for the claim.
  • Estimated valuation: Prepare a precise valuation, supported by photographic evidence and detailed analysis.
  • Compliance with Article 38 of Law 50/80: A critical step for the appointment of adjusters.
  • Damage assessment and analysis: Key to understanding the actual extent of the damage.
  • Preparation of a detailed expert report: We provide a solid basis for the claim.
  • Interaction with the insurer’s adjuster: Essential for negotiating and defending the policyholder’s interests.
  • Management of non-conformity or conformity acts: Important to progress towards a resolution.
  • Appointment of a third-party adjuster in case of non-conformity: We ensure fairness in the claim.
  • Monitoring and legal advice:  Commitment extends until achieving a fair compensation.

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