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Patrick Ginnelly & Co. Property Claims Assessors Patrick Ginnelly & Co. Property Claims Assessors

How a Loss Assessor's fee works

You may wonder what a Loss Assessor costs. This guide explains how the fee works, and what to ask before you agree to anything.

Who pays

Your insurance policy does not cover a Loss Assessor’s fee. An assessor works for you, so you pay the assessor. Your insurer pays the claim, not the assessor.

How our fee works

We work on a “No Win – No Fee” basis. If your claim is unsuccessful, we do not charge a fee.

Our charges are normally based on a percentage of the settlement achieved. We agree them with you at our first meeting.

It costs nothing to ask for our advice.

What to ask any Loss Assessor

Ask these questions before you sign anything, whoever you choose:

  • What is the fee, and is it in writing?
  • Is the percentage taken from the total settlement, or only from part of it?
  • Is VAT added to the fee?
  • What happens to the fee if the claim is not successful?
  • Is there any other charge, for example for reports or specialists?

Write down the answers. Keep a copy of what you sign.

Read the agreement

A fair agreement is clear about the fee, how it is worked out and when it is due. If you do not understand a line, ask. Do not sign until you do.

What the fee is for

Ask each assessor what they will do for the fee. Ask who will handle your claim and who will meet the loss adjuster at your property. You may talk to more than one assessor before you decide. That is your right.

Does it cost more than it saves?

That depends on the claim. We cannot tell you the result of any claim in advance. We can tell you how we work, and you can decide. For small claims, ask whether using an assessor makes sense for you. Any assessor should answer you clearly.

If you have a question about our fee, contact us.

Sources

All sources read 2 October 2026.