When an expert is called in, the first thing he or she does is to compare what you see at the scene of the claim with what is stated in the policy<\/strong>The following are some examples: risk characteristics, sums insured taken out, etc. For example: if a home insurance is declared as a flat in the policy and, however, it is a detached house, it will greatly influence the proposed valuation of compensation (a rule will be applied that reduces, logically, the compensation). For this reason, at the brokerage firm we always advise on the importance of a correct valuation of assets<\/strong> in our home.<\/p>\n The vast majority of the experts are not on the company's payroll. It is precisely for this reason that we talk about their objectivity. In the past, it was more common for insurers to have a staff of loss adjusters who were always used.<\/p>\n In practice, in the main, an expert will be called for these two reasons:<\/p>\n Although we see the importance of the loss adjuster, his or her \u201cexpert report\u201d will be reviewed by the insurance company who ultimately decides whether or not to cover the claim and assess the damage.<\/p>\n The law provides for several options in such cases: the parties appoint an expert and, if still no agreement is reached, a third expert is assigned the possibility to settle the matter.<\/p>\n In practice, however, this is rare. It is our duty as Insurance Brokerage<\/strong> to defend our policyholders. For this reason, pressure is put on the company to achieve its objective:<\/p>\n![\"Coverage](\"\/wp-content\/uploads\/2017\/10\/perito-seguro.jpg\")
<\/p>\nWhen does a loss adjuster intervene in a claim?<\/h2>\n
\n
If the insured does not agree, what do you do?<\/h2>\n