Property Loss Recovery Insurance
Property Insurance Claims Specialists for Landlords, Managing Agents & Commercial Property Owners.
Call Our Team: 01425 486650
Property insurance claims, handled with precision.
From first notification, to final settlement.
When a property suffers damage, the impact can be immediate and disruptive, affecting tenants, rental income, business operations and asset value. As your specialist property insurance broker, our in-house claims team acts as your first point of contact following a property insurance claim.
Enhanced Protection: Loss Recovery Insurance for Major Property Losses
For substantial or complex property insurance claims, many landlords and commercial property owners choose to enhance their protection with Loss Recovery Insurance.
This optional cover provides access to claims experts located across the UK, all of whom are qualified Chartered Loss Adjusters with extensive experience in the insurance market. Acting solely on your behalf rather than the insurer’s, they use their expertise to professionally guide you with claim preparation, presentation and negotiation, particularly where the scale of the loss or technical complexity requires specialist representation.
Loss Recovery Insurance is particularly valuable for:
Large Fire Losses
Large fire losses often involve significant structural damage, complex reinstatement works and high claim values, making independent expert representation critical to achieving a fair settlement.
Complex Reinstatement Projects
Complex reinstatement projects often involve detailed scopes of work, contractor disputes and valuation challenges that benefit from experienced technical oversight.
Multi-Unit Residential Blocks
Claims involving multi-unit residential blocks can affect multiple leaseholders and communal areas, requiring coordinated evidence, accurate reinstatement assessments and careful negotiation.
High-Value Property Portfolios
For high-value property portfolios, independent loss recovery expertise helps protect substantial asset values and rental income across multiple buildings.
Commercial Premises
Where business interruption or loss of rent is involved, specialist support helps ensure financial losses are properly calculated, evidenced and negotiated alongside property damage.
What Does Loss Recovery Insurance Provide?
Loss Recovery Insurance provides independent, professional representation to help you manage and negotiate a property insurance claim, particularly when the loss is complex or high value.
Qualified Chartered Loss Adjusters Acting for You
In a standard property insurance claim, the insurer appoints a loss adjuster to represent their interests. Loss Recovery Insurance gives you access to your own independent chartered claims expert, ensuring your claim is prepared and negotiated from your perspective.
End-to-End Claim Management
From initial notification through to final settlement, the claims expert will help manage the technical aspects of the claim, removing pressure from you and allowing you to focus on managing your property portfolio or business operations.
Protecting Rental Income & Asset Value
For landlords and commercial property owners, a property claim is not just about repairing physical damage. It is about protecting rental income, maintaining tenant relationships and safeguarding long-term asset value.
Our combined approach; dedicated broker-led claims coordination with the option of independent loss recovery representation, provides layered protection designed specifically for property owners.
Expert Claim Preparation
The appointed specialist provides expert advise with:
– Detailed damage assessments
– Building reinstatement valuations
– Review of contractor scopes and costs
– Loss of rent and business interruption calculations
– Negotiations with the insurer’s representatives
This professional oversight can make a significant difference in complex or high-value claims.
No Upper Claim Limit
There is no upper limit on claim size under this cover. Loss recovery kicks in once a claim is over £5,000 and within the terms & conditions of the policy. This makes Loss Recovery Insurance particularly suited to substantial commercial property losses, multi-building portfolios and high-value assets where expert representation can materially impact the outcome.
Negotiation with Insurers
Your appointed specialist handles technical discussions and negotiations with the insurer’s loss adjuster to help secure a fair and accurate settlement.
Add loss recovery protection to your policy today.
Why Choose a Specialist Property Insurance Broker?
Supporting Portfolio Landlords Through Complex Claims
Working with a broker who understands property insurance and the claims process provides measurable advantages:
– Faster, more accurate claim notifications
– Reduced administrative burden for managing agents
– Improved communication with insurers
– Structured oversight of complex reinstatement works
– Greater confidence in high-value claims
We act as your advocate throughout the lifecycle of your property insurance policy. Not just at renewal, but when you need support the most.
Tailored Solutions
Flexible options designed to meet the unique requirements of your block of flats.
Trusted Expertise
Backed by years of experience in supporting residential and community associations.
Peace of Mind
Safeguard your property, liabilities, and people with reliable, robust insurance solutions—all at competitive premiums.
Our in-house claims department
Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.
This means you'll have one point of contact to manage your claim from start to finish.
Loss Recovery Insurance FAQ’s
What is Loss Recovery insurance?
Loss Recovery Insurance is an optional cover that gives landlords, managing agents and commercial property owners access to an independent chartered claims expert who acts solely on their behalf during a property insurance claim. This is particularly valuable for complex or high-value losses.
Does Loss Recovery Insurance have a claim limit?
No. There is no upper claim limit. Loss recovery kicks in once a claim is over £5,000 and within the terms & conditions of the policy making it suitable for substantial property damage claims, including large fire losses, major escape of water incidents and complex commercial property claims.
Is Loss Recovery Insurance worth it for landlords?
For landlords with multi-property portfolios, high-value assets or significant rental income exposure, Loss Recovery Insurance can provide important protection. Independent representation can improve claim presentation, support accurate valuations and reduce the stress associated with major losses.
Do managing agents benefit from Loss Recovery Insurance?
Yes. Managing agents handling claims on behalf of freeholders or resident management companies often face administrative and technical pressures. Independent loss adjusters can manage valuations, negotiations and technical evidence, helping reduce workload and improve outcomes.