The job of a surveyor

In the world of insurance, the surveyors play an indispensable role in evaluating damages and ensuring that repairs are fairly priced. However, they face enormous challenges when repair companies present exorbitant budgets that not only complicate the process, but also pose ethical and moral dilemmas for the adjusters.

Fair Assessment reports vs. Inflated Budgets

Insurance surveyors are dedicated to conducting fair and accurate assessments, ensuring that policyholders receive adequate compensation without inflating costs. This task becomes more difficult when repair companies, many of which belong to the assistance network, submit budgets that significantly exceed the established benchmarks. The discrepancy between what is fair and what is requested puts adjusters in a position where they must defend the integrity of their evaluations against exaggerated claims.

Double Work and Lack of Adequate Compensation

Surveyors are often forced to double their work load, not only assessing the damages but also negotiating with repair companies to adjust the figures to a reasonable level. This additional work is rarely accompanied by additional compensation, creating an imbalance between the workload and the remuneration. The fact that a single evaluation visit by a repair company can result in higher fees than a complete assessment by an adjuster is a considerable point of friction in the insurance world

Unpleasant Conflicts and Confrontations

Interaction with repair companies can often cause conflicts when their budgets are questioned. These situations can become unpleasant and consume valuable time that the surveyors could have spent attending to other cases. The lack of an efficient mechanism to resolve these discrepancies not only affects the surveyor’s efficiency, but can also impacts the policyholder’s experience.

The big question is should surveyors accept budgets without question?

This moral and professional dilemma is central for surveyors: should they succumb to high budgets to avoid conflicts and ensure a smooth process, or should they remain firm in their assessments even if it means prolonging the dispute? The answer to this question affects not only the individual surveyors operation, but also the perception of the insurance industry as a whole.