What Your Insurer Isn’t Telling You About Your Claim
When disaster strikes your home or business — whether it’s a devastating fire, a flood that has swept through your ground floor, or a storm that has torn apart your roof — the last thing you expect is to be fighting the very company you’ve been paying premiums to for years. But for many policyholders across the UK, that’s exactly what happens.
At Pro Insurance Claims, we’ve seen it time and again. Claimants who accept settlements that are thousands — sometimes tens of thousands — of pounds lower than what they’re genuinely entitled to, simply because they didn’t know their rights.
Here are the key things your insurer may not be volunteering — and what you can do about it.
1. You Don’t Have to Accept the First Offer
Insurers are commercial businesses. Their loss adjusters — the people they send to assess your damage — work for the insurer, not for you. Their initial settlement offer is often a starting point in a negotiation, not a final, fair figure. Many claimants accept it without question, not realising they have every right to challenge it.
Pro Insurance Claims clients receive, on average, 30% higher settlements than those who deal directly with their insurer. That’s not a coincidence — it’s the result of expert negotiation.
2. Your Policy Probably Covers More Than You Think
Most people only claim for the obvious damage — the burnt kitchen, the waterlogged flooring. But a comprehensive property policy often covers far more: alternative accommodation while your home is uninhabitable, loss of income if you’re a landlord or business owner, professional fees for architects or surveyors, debris removal, and even the cost of hiring a loss assessor.
These ‘consequential losses’ are often never mentioned by the insurer unless you ask specifically — or unless you have a professional in your corner who knows exactly what to look for.
3. There Are Time Limits on Challenging a Payout
If you’ve already received and accepted a settlement that felt unfair, don’t assume it’s too late. There are formal processes — including the Financial Ombudsman Service — for disputing outcomes, but they come with time limits. Acting quickly matters.
4. You Have the Right to Your Own Professional Representation
Just as the insurer appoints a loss adjuster to represent their interests, you are entitled to appoint a loss assessor to represent yours. A loss assessor works exclusively on your behalf — preparing your claim, challenging undervaluations, attending site visits, and negotiating directly with the insurer until you receive a fair settlement.
At Pro Insurance Claims, we handle fire, flood, storm, commercial property, agricultural, and marine damage claims — and our 97% success rate in negotiations speaks for itself.
5. Your Insurer’s Contractor Isn’t Always the Best Choice
When insurers offer to arrange repairs directly, it can seem convenient. But insurer-appointed contractors are often selected to keep repair costs low, which can mean cheaper materials or less thorough work. You are generally entitled to obtain your own independent repair quotes.
The information asymmetry between a major insurance company and an individual claimant is significant. They have teams of adjusters, legal departments, and decades of experience minimising payouts. You deserve someone equally experienced in your corner.
Don’t Settle for Less
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