Home insurance claim loss assessors
Helping you secure a fair settlement.
RSL Claims are independent home insurance claim loss assessors helping homeowners across the North West of England and North Wales with property insurance claims after fire, flooding, water damage, storm damage and subsidence.
Free initial consultation
We’ll review your policy, explain the claims process clearly and tell you honestly whether we can help.
No win, no fee
Our fee is agreed upfront as a percentage of the settlement achieved for you. No hidden charges.
Buildings & Contents claim handled together
We coordinate buildings and contents claim and present your claim in the best possible terms with your desired outcome at the forefront.
Thank you for your help, understanding and professionalism in dealing with the fire claim. I don’t think we would have had such a good return without your input. We’re back on track and looking forward to the rebuild – better and safer than before.
Homeowner · Wirral · Fire claim · 2023
Specialist residential claim support
Home insurance claims we handle
From documenting damage to coordinating repairs and negotiating with insurers, we support homeowners through every stage of the claims process.
Fire
Fire damage
From kitchen fires to major property losses, we manage the assessment, repairs and negotiations on your behalf, working to help you receive a fair settlement.
Water
Burst pipes & water damage
We help identify the source of damage, coordinate drying and repairs and present the full claim to your insurer.
Flood
Flood damage
From drainage failures to severe flooding, we oversee surveys, strip-out works and reinstatement.
Storm
Storm damage
Roof damage, fallen trees and water ingress claims are professionally documented and negotiated.
Impact
Impact damage
Damage caused by vehicles, falling objects or structural impact is assessed and managed from start to finish.
Subsidence
Subsidence
Long-term and complex claims requiring specialist oversight, including monitoring, surveys and structural repairs.
Theft
Theft & break-ins
From forced entry to stolen belongings, we help document losses properly and present the full claim to your insurer.
Contents
Damaged contents
We help prepare and value contents claims clearly, supporting everything from everyday belongings to high-value items.
Get in touch
Unsure whether your insurer’s offer is fair?
Many homeowners don’t realise the full extent of what they may be entitled to claim for after property damage. We’ll review the situation, explain your options clearly and let you know whether we can help.
Experienced home insurance claim handling
Dealing with property damage is difficult enough without having to manage the insurance claim yourself
Making a home insurance claim after fire, flooding or serious property damage can quickly become stressful. Many homeowners are dealing with damage to their property while also trying to understand policy wording, insurer requests and repair estimates.
As independent home insurance claim loss assessors, we manage the process for you from the outset.
We assess the damage, prepare and present your claim, negotiate directly with the insurer’s loss adjuster and help make sure your claim is properly valued under the terms of your policy.
What we help with:
- Reviewing your policy cover
- Documenting building and contents damage
- Managing communication with insurers
- Arranging surveys and contractor input
- Negotiating fair settlement figures
- Supporting reinstatement works
Who we help
Home insurance claim support for all kinds of properties
If you’re dealing with a smaller household insurance claim or major structural damage, we’ll help you understand the process and manage the claim properly.
Detached and semi-detached homes
Flats and apartments
Listed and period properties
Buy-to-let landlords
Holiday homes
High-value properties
Families dealing with major property damage
Loss adjuster vs loss assessor
Loss assessor vs adjuster. Only one works for you
When you make a home insurance claim, your insurer appoints a loss adjuster to investigate the claim on behalf of the insurance company. Here’s how the two roles compare.
Your independent loss assessor (us)
Works solely for you
- Appointed by you, representing you throughout the claim
- Prepares, manages and negotiates your claim from start to finish
- Documents and quantifies the full loss properly
- Identifies areas within the policy that benefit the client, like Professional Fees, Alternative accommodation and energy performance uplifts
- Protects you from pitfalls like value-at-risk and underinsurance by careful presentation at the outset
Your insurer’s loss adjuster
Works for the insurance company
- Appointed by your insurer to investigate the claim
- Job is to protect the insurer’s interests
- Assesses the damage and scrutinises your policy
- Identifies grounds to reduce or dispute payout
- Rarely provides general advice or guidance in relation to the presentation of your claim
The claims process
How we manage your home insurance claim, step by step
We guide you through each stage of the claim and handle communication with the insurer on your behalf.
1
Free property visit & policy review
We arrange a free consultation, inspect the damage and review your policy in full to identify the cover available.
2
We take over the claim
Once appointed, we deal directly with your insurer and their loss adjuster on your behalf.
3
We assess & prepare your claim
Building damage, contents losses and associated costs are documented and prepared as one coordinated claim.
4
Negotiation & settlement
We negotiate directly with the insurer, challenge low offers where needed and support your claim with clear evidence.
5
Repairs & completion
We continue managing the process through repairs, reinstatement and final settlement.
Founder · Chartered Loss Adjuster
Led by a Chartered Loss Adjuster
Residential claims experience you can rely on
Most homeowners only deal with a serious insurance claim once in their lives. When that happens, having someone experienced in managing the process can make a huge difference to the outcome.
Rob Spence – Managing Director, Chartered Loss Adjuster.
35+
YEARS’ EXPERIENCE
2003
FOUNDED
+30–50%*
vs insurer’s first offer
*Range achieved across recent claim settlements.
Real client feedback
What our clients say about working with RSL Claims
Reviews from homeowners and business owners across the North West of England and North Wales.
Where we work
Home insurance claims support across the North West of England and North Wales
We understand the types of property damage homeowners commonly face across the region and how disruptive major insurance claims can become without the right support.
From family homes in Liverpool and Manchester to coastal properties across North Wales, we support homeowners throughout the claims process.
Bolton
Chester
Crewe
Formby
Lancashire
Liverpool
Manchester
North Wales
Preston
Southport
Tarporley
Warrington
Wilmslow
Wirral
Wrexham
Not in our patch? Contact us. For larger or more complex property insurance claims, we regularly travel beyond the 100-mile mark when needed.
Frequently asked questions
Common questions about home insurance claims
Will my insurer object to me appointing a loss assessor?
No, you are fully entitled to appoint your own independent representative to manage your claim, just as insurers appoint their own loss adjusters.
When should I contact you?
As early as possible after the damage occurs. Early involvement helps avoid delays, missing evidence and disputes later in the process.
How much does it cost?
We work on a percentage of the settlement achieved for you. Our fee is agreed clearly upfront with no hidden charges.
Can you help if my claim has already started?
We regularly step into claims that are already underway, especially where communication has stalled or the settlement offer appears too low.
Do you cover the whole North West?
Yes. We work across Liverpool, Manchester, the Wirral, Cheshire, Warrington, North Wales and surrounding areas.
Get in touch
Free 15-minute consultation. No obligation.
If we can help with your home insurance claim, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction.
Whether you need help claiming on house insurance after fire, flooding, water damage or storm damage, we’re here to support you through the process.