Who Pays a Loss Assessor in Ireland

One of the most common questions homeowners ask is:

In Ireland, a loss assessor is hired by — and works for — the policyholder.

This means you appoint and pay the assessor directly.

However, the full picture is more nuanced.

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Insurance Loss Assessors – What They Do

An insurance loss assessor is an independent professional who represents you — the policyholder — during an insurance claim. Unlike a loss adjuster, who works for the insurance company, a loss assessor works solely in your best interests. They inspect and document the full extent of the damage, review your policy to ensure all entitlements are included, prepare and submit the claim, and negotiate directly with the insurer on your behalf. From initial assessment through to final settlement, a loss assessor manages the entire claims process, helping to reduce stress, avoid under-settlement, and secure the fairest possible outcome for your property claim.

How Are Loss Assessor Fees Structured?

Most professional loss assessors operate on:

• A percentage of the final settlement, or
• A pre-agreed fee structure

Many work on a no win, no fee basis, meaning their payment depends on successfully securing a settlement.

This aligns their interests with yours.

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Does Insurance Ever Cover the Cost?

Some insurance policies include cover for “professional fees” or “claim preparation costs”.

If included, this may contribute towards:

• Loss assessor fees
• Surveyor fees
• Engineering reports

It’s important to review your policy wording carefully.

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Why Would I Pay for One?

Because a loss assessor:

• Prepares the claim properly
• Documents hidden damage
• Negotiates directly with the insurer
• Protects against under-settlement
• Handles paperwork and valuations

Remember:

The insurance company appoints a loss adjuster — but that adjuster works for them.

You are not automatically given someone to represent your side.

To understand the difference, read our guide:
[Loss Assessor vs Loss Adjuster – What’s the Difference?]

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When Is It Worth Hiring One?

It’s especially worth considering for:

• Fire damage claims
• Flood damage claims
• Oil leak incidents
• Large property damage
• Commercial property claims

You can learn more about how we handle:

• [Fire Damage Insurance Claims]
• [Flood Damage Insurance Claims]
• [Oil Leak Insurance Claims]

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The Bottom Line

You appoint and pay your loss assessor — but they work exclusively for you.

In many cases, the increased settlement achieved outweighs the cost.

If you’re unsure whether hiring one makes sense for your claim, speak to an independent assessor before agreeing to a final settlement.