A loss assessor is an independent professional who manages your insurance claim on your behalf. A loss adjuster is appointed by your insurer to represent the insurer’s interests. The two roles are direct opposites: the adjuster works to limit the insurer’s exposure; the assessor works to maximise your settlement.

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You can, but you’ll be negotiating alone against experienced insurance professionals whose job is to limit your payout. Without representation, most policyholders don’t know what to claim for, how to present it, or how to counter a low initial offer. For anything beyond the most straightforward claim, professional representation usually recovers significantly more than its cost.

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Our fee is a percentage of the settlement we secure for you, agreed clearly and transparently before we start. There are no upfront costs, no hidden charges, and if we don’t recover a settlement under your policy, you don’t pay us. Loss assessor fees are often covered through industry arrangements.

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No. You have every legal right to appoint your own professional representative, exactly as your insurer has the right to appoint a loss adjuster. If your insurer or their adjuster tries to discourage you from getting independent representation, we’d encourage you to ask yourself why – and to call us.

Yes. We regularly take over claims mid-process – particularly where the loss adjuster has stalled, the offer is inadequate, or the claim has been rejected outright. We’ll review where the claim stands and tell you honestly whether we can move it forward. Many of the claims we recover the most on are ones that started badly.

We aim to attend site within 24–48 hours of your first call, depending on urgency and how quickly the premises is safe to enter. For business interruption and major losses, we usually go same-day or next-day. Our 24/7 helpline covers out-of-hours emergencies.

We’re based in Hoylake on the Wirral and work across Liverpool, Manchester, Warrington, Chester, Wirral, Wrexham and the wider North West and North Wales. For commercial claims we regularly travel further than the 100-mile mark when the case warrants it.

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Yes. RSL is authorised and regulated by the Financial Conduct Authority (Ref. No 305956). Our Managing Director Rob Spence is a Chartered Loss Adjuster (CILA), and the firm is also accredited by FUEDI and the CII. FCA regulation means we’re held to clear standards on conduct, client communication, and how we handle your claim.

Read about how we’re FCA regulated →