Independent Loss Assessor Services

Need help with your insurance claim? Speak to us today.

At ICS, we liaise directly with the insurance company and their loss adjusters. Handling your claim for you – from start to finish.

We work with clients across Sussex, Surrey, Kent, Hampshire, London, and Greater London, though we’re happy to travel further afield when needed.

Enquire Today!

If you have a claim or would like to speak to someone please complete the form below and we will get back to you within 2 hours.

Maximise Your Payout

We present your claim to achieve the maximum settlement, not the first offer.

Fully Authorised

All our services are regulated by the Financial Conduct Authority.

End-to-End Ownership

We handle everything until you get your payout. Complete peace of mind.

10+ Years' Experience

Unparalleled understanding of the insurance industry and its processes.

Our Services

Fire

Here at ICS we are experienced with fire damage claims; from securing temporary accommodation to preparing your claim and assisting throughout the whole process.

Floods

ICS put you, the policyholder, first when it comes to flooding. On your behalf, we will evaluate the best claim settlement for your situation as well as secure interim payments for lost contents.

Theft

We work directly in the interest of the policy holder. From securing your property to assessing the true value of your possessions and negotiating the maximum claim entitlement.

Drainage

At ICS, we ensure the correct presentation of drainage claims with comprehensive end-to-end claims management and experience with shared drainage claims.

Impact Damage

Remember that the damage isn't always immediately visible. We can help with assessing damage, organising repairs, arranging temporary accommodation and providing surveyor reports.

Commercial

We can assist with commercial claims to reduce your business losses. Including; liaising with your accountant, arranging an alternative trading site or system and providing a fixtures and fittings claims.

Once you have instructed us to manage your insurance claim we will:

Deal With Your Insurer

Discuss the outline of your claim with you.
Write to you confirming the agreed fee.
Meet and negotiate with the insurance company representative and/or loss adjuster on your behalf.
Manage your insurance claim from start to finish.
Present a fully quantified claim to your insurers based on your maximum entitlement.

Help Get Things Back To Normal

Organise repairs to your home or business.
Organise and ensure the security of your property.
Contact structural engineers and chartered surveyors to provide professional advice and specifications of works.
Provide building quotations.
Advise on the best settlement option for your circumstances.

By undertaking the above activity, we will be able to provide a personal service for a personal issue. This will allow you to continue with your daily life as much as possible, minimising the need for insurance related stress and worry.

Loss Adjuster vs. Loss Assessor (ICS)

	Loss Adjuster	Loss Assessor (ICS)
Works for	The insurance company	You, the policyholder
Aim	Minimise the payout	Maximise your settlement
Paperwork	You handle it	We handle everything end-to-end
Process	Fixed insurer process	Independent, on your side

Policyholders who use a loss assessor typically receive significantly higher settlements than those who go it alone.

Unhappy with your insurer’s settlement offer?

A low offer is the insurer’s opening position, not the final word. If you’re partway through a claim and the figure being offered doesn’t reflect the true cost of putting things right, get in touch before agreeing to anything, we can review it and, where appropriate, challenge the settlement on your behalf.

Get In Touch

If you have a claim or would like to speak to someone please complete the form below and we will get back to you within 2 hours.
The primary areas we cover are Sussex, Surrey, Kent, Hampshire, London and Greater London but please feel free to contact us wherever you are located.

Our Team

Paul Edmonds – Managing Partner

Paul has worked in insurance since graduating university, gaining 10 years’ experience working as a loss adjuster for insurance companies before founding ICS to represent policyholders instead.

Clare Michaelides – Claims Manager

Clare ensures that we keep the momentum in your claim, from chasing insurers to assisting in sourcing estimates and valuations.

Ross Birch – Senior Claims Consultant

Ross has a wealth of experience having worked in the insurance industry for over 20 years.

Frequently Asked Questions

How is a loss assessor different from my insurer’s loss adjuster?

A loss adjuster is appointed and paid for by your insurance company, and their role is to protect the insurer’s interests. A loss assessor is hired by you, the policyholder, and works exclusively on your behalf to secure the settlement you’re actually owed.

Do I need a loss assessor if my claim hasn’t been rejected yet?

You don’t have to wait for a problem. Many clients bring us in from the very start of a claim, before the loss adjuster’s first visit, so the case is presented correctly from day one rather than corrected after an initial low offer.

What types of claims can ICS help with?

We handle fire, flood, theft, drainage, impact, and commercial claims, and we can step in at any stage, whether you’re just starting a claim or already partway through negotiations with your insurer.

How quickly can you start on my claim?

We aim to respond to every enquiry within two hours, and a senior assessor will typically be able to attend your property or begin work on your case within 24 hours of taking it on.