Disagree with the Damage Assessor in Tilburg
The insurer's damage assessor has determined the damage, but you disagree. This happens more often than you think. As a resident of Tilburg, you have several options to object.
The role of the damage assessor
The damage assessor is engaged by the insurer to:
- Determine the extent of the damage
- Investigate the cause of the damage
- Determine the amount of compensation
- Advise on repair or replacement
Important: The assessor works for the insurer and is not independent. You are not obligated to agree with their conclusions.
Common points of dispute
Disagreements often arise about:
- Amount of damage: The assessor estimates lower than actual damage
- Cause: The assessor attributes damage to a non-covered cause
- Repair costs: The assessor assumes lower rates than realistic
- Current value: For total loss, the current value is underestimated
- Consequential damage: Additional damage is not included
Step 1: Request the assessment report
You are entitled to the full assessment report. Request it in writing and check:
- What damage was identified?
- What damage was possibly not included?
- What calculation method was used?
- Are all photos and documents attached?
Step 2: Object in writing
Send a letter to your insurer in which you:
- State that you disagree with the report
- Specifically name which points are incorrect
- Attach your own evidence (photos, quotes, invoices)
- Request a reassessment
Step 3: Request a counter-assessment
You have the right to engage your own assessor. This is called counter-assessment. The costs:
- Are often covered by your legal expenses insurance
- May be charged to the insurer if your objection succeeds
- Are an investment that can pay for itself
Several independent damage assessors work in de regio Midden-Brabant who can assist you.
The binding advisor
If you and the insurer cannot agree on the damage, a third assessor can be engaged: the binding advisor. This person:
- Is chosen by mutual agreement
- Gives a binding judgment on the damage
- Is usually paid half by each party
Legal assistance in Tilburg
For large amounts or principled disputes, legal help can be valuable. A specialist in de regio Midden-Brabant can:
- Analyze the assessment report
- Coordinate a counter-assessment
- Negotiate with the insurer
- Guide the procedure at Kifid or court
Your action points
- Request the full assessment report
- Collect your own evidence (photos, quotes)
- Object in writing with specific points
- Consider a counter-assessment
- Seek legal help for large amounts