Natural disasters, such as storms, can wreak havoc on homes and businesses, leaving a trail of
destruction in their wake. When the storm clouds clear, the daunting task of assessing and
documenting the damage begins. In this blog post, we will delve into the realm of storm damage
from the perspective of our expert team of loss assessors at PCLA, shedding light on their crucial role
in helping individuals and businesses recover from the aftermath.
The Role of a Loss Assessor:
A loss assessor, also known as a public adjuster, plays a pivotal role in the insurance claims process
following a storm. Their primary responsibility is to assess the extent of the damage and negotiate
on behalf of the policyholder with the insurance company. Unlike insurance adjusters, who work for
the insurance company, loss assessors are independent professionals hired by the policyholder to
ensure a fair and accurate assessment of the damage.
Understanding Storm Damage:
Storm damage can take various forms, ranging from wind and rain damage to structural issues
caused by fallen trees or debris. It’s crucial to recognise both visible and hidden damage to
accurately assess the overall impact on the property. Common types of storm damage include:
- Roof Damage: High winds and hail can cause extensive damage to roofs, including missing
shingles, dents, and leaks. A thorough inspection is essential to identify potential issues. - Water Damage: Heavy rainfall can lead to flooding, causing damage to floors, walls, and
personal belongings. Mould growth may become a long-term concern if not addressed
promptly. - Structural Damage: Strong winds and flying debris can compromise the structural integrity of
buildings. Cracks in walls, foundation damage, and weakened support structures are
common outcomes. - Fallen Trees and Debris: Trees uprooted during storms can damage structures, vehicles, and
landscapes. Removal and repair costs should be carefully assessed.
The Loss Assessment Process of a PCLA Loss Assessor
- Initial Assessment: The loss assessor begins by conducting a comprehensive inspection of
the property, documenting all visible damage and potential hidden issues. - Documentation: Accurate documentation is critical in the claims process. Loss assessors use photographs, videos, and detailed reports to create a comprehensive record of the damage.
- Estimation of Costs: Based on the assessment, the loss assessor calculates the estimated cost of repairs or replacement. This includes both immediate and long-term restoration needs.
- Negotiation with the Insurance Company: Armed with a thorough assessment and cost estimate, the loss assessor negotiates with the insurance company to ensure a fair settlement for the policyholder. Their expertise in policy language and claims processes is invaluable during this phase.
Storm damage can leave individuals and businesses in distress, navigating the complex process of
insurance claims. A loss assessor’s perspective brings a level of expertise and advocacy to this
challenging situation, helping policyholders receive the compensation they deserve. As we face an
era of increasing climate-related challenges, the role of loss assessors becomes even more critical in
ensuring a smooth and equitable recovery process for those affected by storm damage.
