Nov 17, 2011

Are the insurance loss adjusters defrauding the policyholders?

“Whistle Blowers” have received a number of complaints about loss adjusters and insurance assessors, who are seemingly under instructions from the insurance companies to reduce the value of claims made against, home, car, travel, and loss insurance.

Loss adjusters are supposed to act as intermediaries between the policy holder and the insurance company but inevitably, as they are paid by the insurers and need their work, they are beholden to them.

We are told Independent Inspections, a firm of loss adjusters, are far from “independent” and have agreed with Aviva Insurance and others to substantially reduce the amounts paid to policyholders.  We are told they do this by failing to assess claims at their correct level (under assessment) and/or attempt to prove the policyholder was “under insured” and then reduce the claim by the corresponding amount.  Moreover, we are informed that where possible, they issue “vouchers” to be redeemed at approved retailers.  Seemingly, the retailer has to pay the insurers 15 % of the value of the claim and in addition has to pay a further 5% to Independent Inspections.

There is far more to this investigation than can be placed on this particular “jigsaw” entry but we would like to hear from anyone, who has had reason to dispute the value of an insurance claim, whether it involves Independent Inspections or any other firm of loss adjusters or insurance brokers.

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