For policyholders
Settlement second opinions
The adjuster’s scope has arrived, and something feels wrong — rooms missing, quantities thin, a total that doesn’t match what you are living in. Or maybe it is fine, and the anxiety is the problem. Either way, feelings don’t move claims. An independent professional opinion does — in both directions.
- 01MCIOBChartered Construction Manager●
- 02AssocRICSAssociate Member, RICS●
- 03Fixed feesAgreed before work starts●
- 04Evidence-ledReports built to be relied on●
- 05Two clear lanesProfessional / policyholder●
- 06A decade in claimsSurveying and complex losses●
A second opinion reviews the offer against the evidence: the scope and figures reconciled with the damage, from your photographs and documents (desktop, offered nationally) or with a site inspection where it matters. The output is a short written opinion — what the offer covers fairly, what it misses, and what the gaps are worth.
The framing, as always on this side of our practice: we provide the expert evidence and reports; you stay in control of your claim. What you do with the opinion — accept the offer, query it, submit our findings — is your call, made with professional eyes on the numbers.
Use case
When to get a second opinion
- 01
An offer or scope has landed and you cannot tell whether it is fair
- 02
The settlement covers repairs your own quotes say cost substantially more
- 03
Items or rooms you reported are absent from the scope
- 04
You are about to accept — and want to accept knowingly
The output
What the review covers
- 01
The adjuster’s scope and figures reconciled against the evidenced damage
- 02
Missing items, thin quantities and out-of-market rates identified and priced
- 03
A plain-language written opinion: fair, short, or mixed — and where, specifically
- 04
Desktop from your documents and photographs (nationally), or site-inspected within our radius
- 05
A straight recommendation on whether a full scope & quantum report is worth commissioning — including when it is not
From brief to answer
How it works
- 01
Send the offer and the evidence
The scope or settlement letter, your photographs, any quotes. Fixed fee quoted on what review the case needs.
- 02
Review
Desktop reconciliation — escalated to a site inspection only where the papers genuinely cannot settle it.
- 03
The opinion
A short written professional opinion, in days — fair, short or mixed, with the gaps priced.
Questions, answered
What people ask before instructing
What if you conclude the offer is fair?
Then you accept it with confidence instead of resentment — and stop spending money and stress on a fight the evidence would not support. An honest "it’s fair" is one of the most valuable things we sell.
Do I need this or the full scope & quantum report?
Start here. The second opinion tells you whether a gap exists and roughly its size; the full report is the evidenced document for pursuing a substantial one. If the opinion shows the full report is warranted, the second-opinion fee is credited against it.
Can you review a claim outside West Yorkshire?
Yes — desktop reviews run from documents and photographs and are offered nationally. Site-inspected opinions run within our attendance radius.
Need second opinion?
Tell us where the claim stands and you'll get a fixed fee — plus a straight answer on whether this service genuinely helps your position.