Your trusted property
insurance claims expert.
About Us
Who We Are
Alliance & Capital is an independent property insurance loss assessor. We are fully authorised and regulated by the Financial Conduct Authority. We represent property and business owners following damage suffered to their property. Alliance & Capital understand the intricacies of insurance policies and is adept at navigating the complex process, ensuring you receive a fair settlement. Once we agree your claim, we expertly refurbish your property back to its pre-loss condition.
Our Expertise
Our Director is a RICS Chartered Surveyor with over 18 years of industry experience. At Alliance & Capital, we specialise in advocating for policyholders to secure the best possible settlement for an insurance claim. Our team has the expertise and knowledge to manage a diverse range of claims, offering dedicated support and guidance throughout the process. We are committed to serving our clients with the highest standards of integrity and transparency, always ensuring that your best interests remain our top priority.
Our Mission
Our mission is to represent homeowners and businesses impacted by insured perils, secure a fair settlement and complete reinstatement works to a high standard. We are committed to redefining the client experience by delivering exceptional service and results.
Our Services
Escape of Water
Damage caused by leaking pipes, broken appliances, or an accidental overflow of water inside the property.
We assess signs of water ingress, such as damp walls, ceilings, or flooring. We check the source of the leak, inspect any plumbing systems, and evaluate the degree of internal water damage, including possible mould growth. We arrange specialist drying to prevent secondary damage.
Fire
Damage or loss caused by fire, including accidental fires.
We inspect the property to determine the extent of the fire, heat, and smoke damage. We will check for structural issues, fire-damaged items, and any other impact on the property, including the need for professional cleaning and repairs.
Flood
Flooding occurs when water exceeds normal levels, submerging property or causing structural damage.
We asses water levels, structural integrity, and any possible contamination that may affect the property. We examine how high the water has reached, which areas of the property have been impacted, and whether any foundation or structural elements are compromised. Additional assessments are made for drying, mould remediation, and restoring electrical systems.
Subsidence & Landslip
Subsidence occurs when the ground beneath a property sinks, while a landslip is the movement of soil, typically caused by water or earth movement.
We assess subsidence damage by inspecting cracks in the foundation, walls, and floors. We look for evidence of ground movement and arrange geological surveys to determine the cause. For landslips, we check, for structural damage, the displacement of the ground, and potential risks to the stability of the property.
Other Perils
Storm or Wind Damage
Civil Disturbance
Impact Damage (vehicles & falling objects)
Why Choose Us
No Cost to You
We recover our fees from the insurer and we also pay for your excess upto £250.
Proven Track Record
Our Director is a RICS Chartered Surveyor with 18+ years industry experience. We have worked with all major loss adjusters including Sedgwick, Mclarens & Crawford and Company.
Swift Service
Average claim duration 3 weeks from assessment to insurer approval.
Fully authorised and regulated by the Financial Conduct Authority (FCA).
Reference Number 1024518.
Project Manage Reinstatement
We have a network of trusted contractors with long standing relationships we appoint and project manage your reinstatement works
Loss of Income
Loss of rental income, business interruption, disturbance allowance and alternative accommodation all considered as part of the claim where applicable.
Professional Indemnity Insurance
£2m Professional Indemnity insurance cover for all claims.
Defects Warranty
All reinstatement works are covered by a defects warranty period.
Insurance Policy Expertise
We understand the small print and can quickly advise whether you are covered and clarify limits of liability and exclusions to establish an accurate and fair settlement.
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What is a Loss Assessor?A Loss Assessor is an insurance claims expert who works solely on behalf of policyholders to ensure they receive the maximum settlement from their insurance company after a loss or damage. Unlike Loss Adjusters, who represent insurers, we act in your best interests.
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Why should I use a Loss Assessor?Handling an insurance claim can be complex and time-consuming. A Loss Assessor ensures that your claim is correctly presented, negotiates with the insurer, and maximises your settlement, reducing stress and saving you time.
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How are you different from a Loss Adjuster?A Loss Adjuster is appointed by the insurance company to assess claims and protect their interests. A Loss Assessor, on the other hand, works for you—the policyholder—to ensure you receive the best possible outcome from your claim.
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When should I appoint a Loss Assessor?When should I appoint a Loss Assessor? You should engage a Loss Assessor as soon as possible after an incident, ideally before making a claim. Early involvement ensures that your claim is handled correctly from the outset, preventing potential disputes or delays.
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What types of claims do you handle?We assist with a wide range of claims, including: Fire and smoke damage Flood and water damage Storm damage Burglary and theft Impact damage (e.g., vehicle collisions with property) Business interruption Other property-related insurance claims
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Can you help if my claim has been rejected?Yes. If your claim has been unfairly denied or underpaid, we can review the insurer’s decision, challenge their findings, and appeal for a fair settlement.
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Do you only work with businesses, or can homeowners use your services?Do you only work with businesses, or can homeowners use your services? We assist both residential and commercial policyholders. Whether you are a homeowner, landlord, or business owner, we can support with your insurance claim.
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How much do you charge for your services?There is no cost to you—the policyholder. Our fees are recovered from the insurance settlement by way of a referral fee for appointing a main contractor to undertake the refurbishment works. This means you receive expert claims management and support without any direct out-of-pocket expenses.
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Do you offer a no-win, no-fee service?Yes.
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How long does an insurance claim take?The timeframe varies depending on the complexity of the claim, the insurer’s response times, and any disputes that arise. Some claims are settled within weeks, while more complex cases can take several months. We always work to secure the fastest possible resolution.
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What is your process for handling a claim?Click on this link to access our process map. Our process typically involves: A free initial consultation to assess your claim. Reviewing your insurance policy and assessing the damage/loss. Preparing and submitting a detailed claim to your insurer. Managing communications and negotiations with the insurer. Ensuring you receive a fair and timely settlement. Appointing a contractor and project managing your refurbishment works.
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Can you take over an ongoing claim?Yes, if you are struggling with an ongoing claim, we can step in at any stage to manage negotiations and improve your chances of a successful outcome.
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Are you regulated?Yes, we are fully authorised and regulated by the Financial Conduct Authority (FCA). The Financial Conduct Authority (FCA) is the UK's independent financial regulator, responsible for ensuring the financial services industry operates fairly and effectively, protecting consumers, and maintaining market integrity.
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Will using a Loss Assessor affect my relationship with my insurer?No. Appointing a Loss Assessor is your right as a policyholder. We work professionally and fairly to ensure your claim is settled correctly, often improving communication between you and the insurer.
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How do I get started?Simply contact us for a free, no-obligation consultation. We will review your situation and advise on the best course of action.
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How can I reach you?16. How can I reach you? You can reach us via our contact details on our website link in button below.
