Independent Loss Adjusters, Burntwood (2026)

09/09/2026

𝗧𝗛𝗘 𝗠𝗢𝗦𝗧 𝗜𝗠𝗣𝗢𝗥𝗧𝗔𝗡𝗧 𝗡𝗨𝗠𝗕𝗘𝗥 𝗢𝗡 𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗠𝗜𝗚𝗛𝗧 𝗡𝗢𝗧 𝗕𝗘 𝗬𝗢𝗨𝗥 𝗣𝗥𝗘𝗠𝗜𝗨𝗠

When your home insurance renewal arrives, it’s natural to look at the price first.

But there’s another figure on the policy that could matter far more if you ever need to make a substantial buildings claim:

𝗧𝗵𝗲 𝗮𝗺𝗼𝘂𝗻𝘁 𝘆𝗼𝘂𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝘀 𝗶𝗻𝘀𝘂𝗿𝗲𝗱 𝗳𝗼𝗿.

One common misunderstanding is assuming your home’s 𝗺𝗮𝗿𝗸𝗲𝘁 𝘃𝗮𝗹𝘂𝗲 and its 𝗿𝗲𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗰𝗼𝘀𝘁 are the same thing.

They aren’t.

Rebuilding a property can involve much more than replacing bricks and mortar. Depending on the circumstances, costs can include demolition, labour, materials, professional fees, access requirements and other reinstatement costs.

BCIS says its House Rebuilding Cost Index has risen by around 𝟰𝟬% 𝗶𝗻 𝘁𝗵𝗲 𝗳𝗶𝘃𝗲 𝘆𝗲𝗮𝗿𝘀 𝘁𝗼 𝗝𝘂𝗹𝘆 𝟮𝟬𝟮𝟲.

So it may be worth asking:

𝗪𝗵𝗲𝗻 𝗱𝗶𝗱 𝘆𝗼𝘂 𝗹𝗮𝘀𝘁 𝗰𝗵𝗲𝗰𝗸 𝘄𝗵𝗲𝘁𝗵𝗲𝗿 𝘁𝗵𝗲 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴𝘀 𝗳𝗶𝗴𝘂𝗿𝗲 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗽𝗼𝗹𝗶𝗰𝘆 𝘀𝘁𝗶𝗹𝗹 𝗿𝗲𝗳𝗹𝗲𝗰𝘁𝘀 𝘁𝗵𝗲 𝗹𝗶𝗸𝗲𝗹𝘆 𝗰𝗼𝘀𝘁 𝗼𝗳 𝗿𝗲𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗵𝗼𝗺𝗲?

Don’t simply assume it updates automatically or that your property’s sale value gives you the answer.

If you’ve already made a claim and your insurer has raised 𝘂𝗻𝗱𝗲𝗿𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗼𝗿 𝘁𝗵𝗲 𝗮𝘃𝗲𝗿𝗮𝗴𝗲 𝗰𝗹𝗮𝘂𝘀𝗲, ask them to explain how they reached their figures and what effect they say it has on your claim.

Independent Loss Adjusters can provide free initial insurance claim advice if you are unsure what underinsurance could mean for an existing claim.

𝗡𝗲𝗲𝗱 𝗛𝗲𝗹𝗽 𝗪𝗶𝘁𝗵 𝗮𝗻 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺? Call 0800 002 5178

Read our guide to underinsurance in UK property claims:
https://www.ilauk.co.uk/underinsurance-in-uk-property-claims-how-to-avoid-being-underinsured/

03/09/2026

DOES YOUR INSURANCE SETTLEMENT OFFER ACTUALLY COVER THE WORK NEEDED?

𝘼 𝙘𝙖𝙧𝙚𝙛𝙪𝙡 𝙘𝙝𝙚𝙘𝙠 𝙩𝙤𝙙𝙖𝙮 𝙢𝙖𝙮 𝙨𝙖𝙫𝙚 𝙖 𝙛𝙤𝙧𝙩𝙪𝙣𝙚 𝙩𝙤𝙢𝙤𝙧𝙧𝙤𝙬!

When an insurance settlement offer arrives, it can be tempting to focus on one thing: the final figure.

But the more useful question is 𝘄𝗵𝗮𝘁 𝗵𝗮𝘀 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗯𝗲𝗲𝗻 𝗶𝗻𝗰𝗹𝘂𝗱𝗲𝗱 𝗶𝗻 𝘁𝗵𝗮𝘁 𝗳𝗶𝗴𝘂𝗿𝗲?

Check whether the proposed settlement takes account of things such as:

• The full repair and reinstatement scope
• Drying and strip-out where required
• Access costs
• VAT
• Professional fees
• Damaged items or areas that may have been missed
• The terms and limits of your policy

A settlement that initially looks too low is not automatically wrong. Equally, if important work or costs appear to be missing, it is reasonable to ask how the figure has been calculated and provide further evidence where appropriate.

If you are unsure about an offer you have received, Independent Loss Adjusters can provide 𝗳𝗿𝗲𝗲 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 claim advice and help you understand the position before you decide what to do next.

𝗔𝘀𝗸 𝗙𝗼𝗿 𝗙𝗿𝗲𝗲 𝗜𝗻𝗶𝘁𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲 𝗧𝗼𝗱𝗮𝘆

𝗖𝗮𝗹𝗹: 0800 002 5178
𝗩𝗶𝘀𝗶𝘁: www.ilauk.co.uk

28/08/2026

𝗧𝗢 𝗘𝗩𝗘𝗥𝗬𝗢𝗡𝗘 𝗔𝗙𝗙𝗘𝗖𝗧𝗘𝗗 𝗕𝗬 𝗧𝗛𝗘 𝗙𝗟𝗢𝗢𝗗𝗜𝗡𝗚 𝗜𝗡 𝗕𝗜𝗥𝗠𝗜𝗡𝗚𝗛𝗔𝗠 - 𝗣𝗟𝗘𝗔𝗦𝗘 𝗦𝗧𝗔𝗬 𝗦𝗔𝗙𝗘.

It's difficult to look at the scenes from Birmingham and forget that behind every flooded property is a person, a family or a business trying to work out what to do next.

If water has entered your home or business, we know how overwhelming those first few hours and days can feel.

For now, 𝗽𝗹𝗲𝗮𝘀𝗲 𝗽𝘂𝘁 𝘆𝗼𝘂𝗿 𝘀𝗮𝗳𝗲𝘁𝘆 𝗳𝗶𝗿𝘀𝘁. Don't enter floodwater or put yourself at risk trying to protect belongings.

When things are safe, take photographs and videos of the damage where you can and keep a record of anything you have had to do urgently to protect the property.

And if you're unsure about the insurance side of things, 𝘄𝗲'𝗿𝗲 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽.

Independent Loss Adjusters can provide 𝗳𝗿𝗲𝗲 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗹𝗮𝗶𝗺𝘀 𝗮𝗱𝘃𝗶𝗰𝗲. There is no obligation to appoint us. Sometimes what people need most at the beginning is simply someone who understands insurance claims to explain what they should do next.

𝗚𝗲𝘁 𝗛𝗲𝗹𝗽 𝗪𝗶𝘁𝗵 𝗮 𝗙𝗹𝗼𝗼𝗱 𝗼𝗿 𝘄𝗮𝘁𝗲𝗿 𝗱𝗮𝗺𝗮𝗴𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺:

Call For Free Initial Claim Advice: 𝟬𝟴𝟬𝟬 𝟬𝟬𝟮 𝟱𝟭𝟳𝟴

or

Visit: www.ilauk.co.uk

Our thoughts are genuinely with everyone affected across Birmingham and the surrounding areas.

Please stay safe.

26/08/2026

𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗖𝗟𝗔𝗜𝗠 𝗥𝗘𝗝𝗘𝗖𝗧𝗘𝗗? 𝗦𝗧𝗔𝗥𝗧 𝗪𝗜𝗧𝗛 𝗧𝗛𝗘 𝗥𝗘𝗔𝗦𝗢𝗡 - 𝗡𝗢𝗧 𝗧𝗛𝗘 𝗔𝗥𝗚𝗨𝗠𝗘𝗡𝗧.

If an insurer rejects a property insurance claim, one of the first things to do is ask for the decision - and the policy wording relied upon - in writing.

Then look at:

• What exact reason has been given?
• Which part of the policy is being relied upon?
• What evidence did the insurer consider?
• Is there relevant evidence or information that may have been missed?

Sometimes the insurer's decision will be supported by the policy and evidence. Sometimes further information may provide a reasonable basis for asking the insurer to reconsider.

The important thing is to 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱 𝘁𝗵𝗲 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻 𝗯𝗲𝗳𝗼𝗿𝗲 𝗱𝗲𝗰𝗶𝗱𝗶𝗻𝗴 𝘄𝗵𝗮𝘁 𝘁𝗼 𝗱𝗼 𝗻𝗲𝘅𝘁.

Independent Loss Adjusters works for policyholders, not insurers. We can review the rejection reason, relevant policy wording and available evidence and explain what your practical options may be.

𝗡𝗲𝗲𝗱 𝗵𝗲𝗹𝗽 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗮 𝗿𝗲𝗷𝗲𝗰𝘁𝗲𝗱 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗹𝗮𝗶𝗺?

𝗙𝗿𝗲𝗲 𝗜𝗻𝗶𝘁𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝗰𝗲: 0800 002 5178

Read our rejected insurance claim guide:
https://www.ilauk.co.uk/my-insurance-claim-was-rejected-now-i-need-help/

Every claim depends on its individual circumstances, policy wording and evidence.

24/08/2026

𝗛𝗘𝗔𝗩𝗬 𝗥𝗔𝗜𝗡 𝗔𝗛𝗘𝗔𝗗? 𝟱 𝗖𝗛𝗘𝗖𝗞𝗦 𝗪𝗢𝗥𝗧𝗛 𝗠𝗔𝗞𝗜𝗡𝗚 𝗡𝗢𝗪.

The Met Office says heavy showers, thunderstorms and locally significant rainfall are increasingly likely from Wednesday onwards.

Before the weather changes, a few simple checks may help reduce the risk of avoidable damage:

• Clear gutters and accessible drains
• Check for loose or slipped roof tiles
• Look at areas where water has entered previously
• Move vulnerable belongings from garages, basements or low-level storage where appropriate
• Make sure you can quickly access your home insurance details if you need them

If your property does suffer storm or water damage, only inspect it when it is safe to do so. Photograph the damage, keep receipts for reasonable emergency costs and notify your insurer promptly.

If you need help understanding a property insurance claim, 𝗜𝗻𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝘁 𝗟𝗼𝘀𝘀 𝗔𝗱𝗷𝘂𝘀𝘁𝗲𝗿𝘀 𝗼𝗳𝗳𝗲𝗿𝘀 𝗳𝗿𝗲𝗲 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲.

📞 0800 002 5178
🌐 https://www.ilauk.co.uk/

13/08/2026

𝗙𝗶𝗿𝗲𝘀 𝗶𝗻 𝗦𝘁𝗼𝘂𝗿𝗯𝗿𝗶𝗱𝗴𝗲!

Our thoughts are with everyone affected by the fires in and around Stourbridge, especially those whose homes, businesses or belongings have been damaged.

If you need help understanding your insurance policy or making a claim, we’re offering free, no-obligation initial advice. We can help you understand the claims process, the information your insurer may need and the practical next steps available to you.

Please put your safety first and never enter a damaged property until the emergency services confirm it is safe. When safe, retaining photographs, receipts and a written record of damage may help support your claim.

If you - or someone you know - could benefit from a calm, confidential conversation, please feel free to contact us.

𝗙𝗼𝗿 𝗙𝗿𝗲𝗲 𝗜𝗻𝗶𝘁𝗶𝗮𝗹 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺 𝗔𝗱𝘃𝗶𝗰𝗲 - 𝗖𝗮𝗹𝗹 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟬𝟬 𝟬𝟬𝟮 𝟱𝟭𝟳𝟴 or visit www.ilauk.co.uk

Please share this post so it reaches anyone locally who may need support.

13/08/2026

AFTER A SERIOUS COMMERCIAL FIRE, THE DAMAGE MAY EXTEND FAR BEYOND WHAT BURNED

A major warehouse fire in Barking yesterday required around 125 firefighters. Thankfully, London Fire Brigade reported no injuries.

For any business affected by a serious fire, the immediate priority is safety and following the instructions of the emergency services.

Once it is safe to do so, it can also help to:

• Notify your insurer promptly
• Photograph and record the damage
• Record smoke, soot and firefighting-water damage
• Keep details of damaged stock, equipment and machinery
• Retain receipts for emergency costs
• Keep notes of important conversations and decisions

Commercial fire claims can involve more than repairing the visibly burned area, and the exact insurance position will depend on the policy and individual circumstances.

Independent Loss Adjusters provides initial advice to policyholders dealing with significant property claims.

https://www.ilauk.co.uk/fire-damage/

𝗙𝗼𝗿 𝗙𝗿𝗲𝗲 𝗜𝗻𝗶𝘁𝗶𝗮𝗹 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺 𝗔𝗱𝘃𝗶𝗰𝗲 - 𝗖𝗮𝗹𝗹 𝘂𝘀 𝗼𝗻 𝟬𝟴𝟬𝟬 𝟬𝟬𝟮 𝟱𝟭𝟳𝟴

10/08/2026

𝗛𝗔𝗦 𝗬𝗢𝗨𝗥 𝗜𝗡𝗦𝗨𝗥𝗘𝗥 𝗦𝗔𝗜𝗗 𝗬𝗢𝗨’𝗥𝗘 𝗨𝗡𝗗𝗘𝗥𝗜𝗡𝗦𝗨𝗥𝗘𝗗? DON’T IGNORE THE CALCULATION.

If underinsurance has been raised during your property claim, it could affect the settlement being considered.

Before accepting the insurer’s calculation, make sure you understand:

• What value they have used
• How that figure was calculated
• Whether an average clause applies
• What the policy wording actually says
• What evidence supports the rebuild or replacement cost

An underinsurance decision can depend on the policy, the information provided when cover was arranged and the individual circumstances of the claim.

If you are unsure about the figures or what they mean, 𝗜𝗻𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝘁 𝗟𝗼𝘀𝘀 𝗔𝗱𝗷𝘂𝘀𝘁𝗲𝗿𝘀 𝗰𝗮𝗻 𝗽𝗿𝗼𝘃𝗶𝗱𝗲 𝗳𝗿𝗲𝗲 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲 𝗮𝗻𝗱 𝗲𝘅𝗽𝗹𝗮𝗶𝗻 𝘁𝗵𝗲 𝗶𝘀𝘀𝘂𝗲𝘀 𝘁𝗵𝗮𝘁 𝗺𝗮𝘆 𝗻𝗲𝗲𝗱 𝗿𝗲𝘃𝗶𝗲𝘄𝗶𝗻𝗴.

Call 0800 002 5178

Read our underinsurance guide:
https://www.ilauk.co.uk/underinsurance-in-uk-property-claims-how-to-avoid-being-underinsured/

03/08/2026

𝗬𝗼𝘂𝗿 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺 𝗛𝗮𝘀 𝗕𝗲𝗲𝗻 𝗥𝗲𝗷𝗲𝗰𝘁𝗲𝗱. 𝗪𝗵𝗮𝘁 𝗦𝗵𝗼𝘂𝗹𝗱 𝗬𝗼𝘂 𝗗𝗼 𝗕𝗲𝗳𝗼𝗿𝗲 𝗬𝗼𝘂 𝗥𝗲𝗽𝗹𝘆?

Your first reaction might be anger, panic or disbelief.

That is completely understandable.

However, a rushed response saying the decision is unfair may not address the reasons the insurer has given.

Before replying, check:

• The exact policy term or exclusion being used
• Whether the insurer’s account matches what actually happened
• What reports, photographs or other evidence support the decision
• Whether important information has been misunderstood or overlooked
• Whether a complaint or Financial Ombudsman deadline is already running

A rejected claim is not automatically an incorrect decision. Equally, you should not accept it without understanding how the insurer reached it.

Independent Loss Adjusters represents policyholders rather than insurance companies. We can review the rejection letter, relevant policy wording and available evidence before explaining what realistic options may be available.

There is no guarantee that a rejected claim will be accepted following a review. However, getting an independent view may help you understand the decision and decide what to do next.

Read our practical guide:

https://www.ilauk.co.uk/my-insurance-claim-was-rejected-now-i-need-help/

𝗪𝗮𝘀 𝘁𝗵𝗲 𝗲𝘅𝗽𝗹𝗮𝗻𝗮𝘁𝗶𝗼𝗻 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗿𝗲𝗷𝗲𝗰𝘁𝗶𝗼𝗻 𝗹𝗲𝘁𝘁𝗲𝗿 𝗰𝗹𝗲𝗮𝗿 𝗼𝗿 𝗱𝗶𝗳𝗳𝗶𝗰𝘂𝗹𝘁 𝘁𝗼 𝘂𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱? 𝗬𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗻𝗲𝗲𝗱 𝘁𝗼 𝘀𝗵𝗮𝗿𝗲 𝗮𝗻𝘆 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗰𝗹𝗮𝗶𝗺 𝗱𝗲𝘁𝗮𝗶𝗹𝘀.

Call 𝟬𝟴𝟬𝟬 𝟬𝟬𝟮 𝟱𝟭𝟳𝟴 for a 𝗳𝗿𝗲𝗲 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗹𝗮𝗶𝗺 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻.

31/07/2026

𝗗𝘂𝗻𝘄𝗶𝗰𝗵 𝗛𝗲𝗮𝘁𝗵 𝗪𝗶𝗹𝗱𝗳𝗶𝗿𝗲: 𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗔𝗱𝘃𝗶𝗰𝗲 𝗳𝗼𝗿 𝗔𝗻𝘆𝗼𝗻𝗲 𝗔𝗳𝗳𝗲𝗰𝘁𝗲𝗱

Our thoughts are with everyone affected by the major wildfire around 𝗗𝘂𝗻𝘄𝗶𝗰𝗵 𝗛𝗲𝗮𝘁𝗵 𝗶𝗻 𝗦𝘂𝗳𝗳𝗼𝗹𝗸.

More than 100 firefighters have been involved in tackling the fire, which has spread across approximately 150 hectares. Homes and a nearby holiday park have been evacuated, while emergency crews continue to monitor active fire fronts and smaller fires across the affected area.

We are also hearing concerning reports that a number of homes may have been affected by fire. At the time of writing, the emergency services have not confirmed how many properties, if any, have suffered direct fire damage. The full position may not become clear until the area is safe and formal inspections can take place.

Anyone who has been evacuated should continue to follow instructions from the emergency services and local authorities. Please do not return to a property or attempt to inspect any damage until you have been told it is safe.

Once access is permitted:

Contact your insurer as soon as possible.

Photograph fire, smoke, soot and water damage before cleaning or repairs begin.

Keep receipts for temporary accommodation, travel and essential emergency purchases.

Avoid disposing of damaged belongings unless they present an immediate health or safety risk.

Keep a record of every person involved in the claim, along with calls, emails, decisions and reference numbers.

Fire claims can involve far more than visible flame damage. Smoke, soot, water used during firefighting and prolonged loss of access can all create further disruption and damage.

𝗔𝗻𝘆𝗼𝗻𝗲 𝗰𝗼𝗻𝗰𝗲𝗿𝗻𝗲𝗱 𝗮𝗯𝗼𝘂𝘁 𝗮 𝗵𝗼𝗺𝗲, 𝗵𝗼𝗹𝗶𝗱𝗮𝘆 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗼𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗹𝗮𝗶𝗺 𝗰𝗮𝗻 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝗳𝗼𝗿 𝗳𝗿𝗲𝗲 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝗰𝗲.

📞 0800 002 5178
🌐 www.ilauk.co.uk

For now, the priority must remain public safety and supporting the firefighters and emergency personnel working at the scene.

Independent Loss Adjusters

09/09/2026

03/09/2026

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31/07/2026

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