Loss Assessment
Our Expertise
At HDCA we specialise in assisting homeowners, business owners, and landlords in navigating the often complex and challenging insurance claims process. If you have experienced property damage, our team of expert loss assessors is dedicated to working tirelessly on your behalf to ensure you receive the maximum settlement you are entitled to. Our goal is to level the playing field by managing every aspect of your claim, from initial assessment to final settlement, allowing you to focus on getting your property and life back to normal.
For your peace of mind, HDCA is authorised and regulated by the Financial Conduct Authority (FCA), ensuring that we adhere to the highest professional and ethical standards.
Who we represent
Homeowners
If your home has suffered damage, our expert loss assessors will handle your insurance claim to ensure you receive the maximum settlement.
Business Owners
Minimise downtime and maximise your claim, our loss assessors negotiate with insurers to get your business back on track as quickly as possible.
Landlords & Block Managers
Protect your investment with professional loss assessment, let us secure the best possible insurance payout for your rental property.
Find out how we can help you.
Need help with a property damage insurance claim?
Call HDCA today.
Water
We conduct a comprehensive assessment of water damage, ensuring your insurance claim reflects the full extent of your loss.
Fire
From initial assessment to final settlement, we manage your fire damage claim efficiently, minimising stress and maximizing your compensation.
Flood
Our team meticulously evaluates flood damage to ensure your claim is accurately valued and settled without delays.
Storm
We take the hassle out of storm damage claims, handling negotiations with insurers to secure the best compensation for you.
Impact
Whether caused by vehicles, falling trees, or structural collisions, we provide expert guidance to secure a fair insurance settlement.
Subsidence
We navigate the complexities of subsidence claims, negotiating with insurers to achieve the best possible outcome for your property.
Theft
After a theft, we support you through the claims process, ensuring damaged property is properly accounted for in your settlement.
Malicious
If your property has been vandalised, we advocate for you, ensuring you receive the full compensation you’re entitled to.
Got questions?
A loss assessor is a professional who works on behalf of policyholders (homeowners, business owners, and landlords) to help them navigate and maximise their insurance claims. If you’ve experienced damage to your property due to fire, flood, storm, or other insured events, a loss assessor will handle the claim process for you, ensuring you receive the full compensation you’re entitled to.
A loss assessor and a loss adjuster both play key roles in the insurance claims process, but they work for different parties and have different responsibilities.
Loss Assessor – Works for you, the policyholder. Their job is to assess the damage, prepare and manage your claim, and negotiate with the insurer to ensure you receive the best possible settlement. They act in your best interests and help take the stress out of the claims process.
Loss Adjuster – Works for the insurance company. They assess the damage and investigate the claim on behalf of the insurer to determine the payout. While they must be fair, their primary duty is to protect the insurer’s interests, which can sometimes mean minimising the payout.
Hiring a loss assessor ensures you have a professional on your side to level the playing field and help you secure the full compensation you’re entitled to.
HD Claims Assessors help with a wide range of property damage claims, including:
Water Damage – From leaks, burst pipes, and flooding that cause structural damage or mould issues.
Fire Damage – Covering everything from minor smoke damage to total property loss due to fire.
Burglary & Theft – Helping with claims for stolen or damaged property following a break-in.
Impact Damage – Caused by falling trees, vehicle collisions, or other external impacts damaging your property.
No matter the type of damage, HD Claims Assessors work on your behalf to ensure you receive the full compensation you’re entitled to.
It’s best to contact us as you experience property damage and need to make a claim. The earlier they get involved, the better we can manage the process, ensuring your claim is properly prepared and supported with the right evidence.
Our loss assessors typically work on a percentage-based fee, meaning they take a small percentage of the final settlement amount. We offer a free initial consultation, and our fees are set before we start any work.
For small claims, you may be able to handle the process yourself. However, if the claim is complex or the insurer disputes your case, hiring a loss assessor can still be beneficial to ensure you receive a fair settlement.
Yes, and we do! A loss assessor can review your rejected or underpaid claim, identify any issues, and negotiate with the insurer to get you the compensation you deserve. If necessary, they can escalate the claim and challenge unfair decisions.
What happy clients say about us
Cntact us today on : hello@hdcaltd.co.uk
Monday - Saturday: 9:00 AM - 5:00 PM
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HDCA is a trading name of H & D Claim Assessors Ltd. We specialise in loss assessment, ensuring homeowners, landlords, and business owners receive the settlements they deserve. If you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service.
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