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Surveyors and Loss Assessors

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Surveyors and Loss assessors are independent professionals appointed by an insurance company to assess the loss or damage, when a claim is notified under a policy issued by them. An insurance surveyor must be duly licensed by the Insurance regulatory and development authority. Licenses are issued to technically qualified people who are qualified in insurance subjects and are Fellows or Associates of the Insurance Institutes of India or Chartered Insurance Institute of London or any other technically qualified like Engineering graduates or diploma holders in any discipline, Chartered Accountants, Graduates in Medical Sciences. A surveyor after obtaining the license, may be empanelled by any or all of the insurance companies in India.

The insurance company selects a surveyor who is qualified to undertake the assessment of loss or damage in relation to the policy issued and also depending upon the estimated loss involved.

His duties include:

• investigate and confirm the cause of loss.

• advise the insured to take good care of salvage to mitigate the loss.

• To ensure that insured has taken all necessary steps to contain the loss.

• assess the quantum of loss.

• Determine the liability of the insurers within the framework of the policy conditions.

• To act on behalf of the insurance company in disposal of salvage to realize maximum value.

Though the surveyor is appointed by the insurance companies, he is required to be impartial and objective in his assessment, favouring neither the insurers nor the Insured, who are the two parties to the contract under a policy. This necessitates a high degree of professionalism.

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