Finance glossary
Loss Adjuster
Also known as: Claims assessor
In simple terms
A loss adjuster is an expert an insurer sends in to investigate a larger claim — checking what happened, what is covered and how much should be paid.
On this page
What does loss adjuster mean?
A loss adjuster is a claims professional, usually instructed by the insurer, who investigates larger or more complex claims. They assess the cause and extent of the loss, whether the policy covers it, and a fair settlement figure.
They act for the insurer — which is different from a “loss assessor”, whom you can hire to act for you.
How a loss adjuster works
After a significant claim — say major fire or flood damage — the loss adjuster may visit, gather evidence, review your policy and negotiate the settlement. Their findings heavily influence what the insurer pays.
You can appoint your own loss assessor (often for a fee) to represent your interests if you feel you need help.
How could this affect me?
Dealing with a loss adjuster professionally — keeping evidence, receipts and photos — helps your claim go smoothly. Remember they work for the insurer, so it is reasonable to ask questions and, if needed, get your own advice.
If you disagree with the outcome, you can complain to the insurer and then the Financial Ombudsman Service.
Things to watch out for
- A loss adjuster works for the insurer, not for you.
- A “loss assessor” you hire works for you — do not confuse the two.
- Keep evidence, receipts and photos to support your claim.
Know your rights
- FCA rules require insurers to handle claims promptly and fairly.
- If you are unhappy with a claim outcome you can complain and escalate to the Financial Ombudsman Service.
General information, not personal advice
Consumer Credit is an independent information service. We do not provide regulated financial advice or sell financial products. For advice on your own situation, speak to an appropriately authorised firm or a free service such as MoneyHelper. About Consumer Credit.
Sources
We checked this page against these official and authoritative sources.
- ABI, Making an insurance claim (opens in a new tab). Accessed 22 Aug 2026.