Who would a policyholder typically appoint to negotiate fire damage claims exceeding £10,000?

A policyholder would typically appoint a loss assessor to negotiate fire damage claims exceeding £10,000 because a loss assessor is a professional who specializes in representing the interests of the policyholder during the claims process. Their role is to assess the extent of the damage, prepare a comprehensive claim, and negotiate with the insurer on behalf of the policyholder.

Loss assessors possess the expertise necessary to navigate the complexities of insurance claims, ensuring that their clients receive a fair settlement. They understand the intricacies of policy wording, coverage limits, and the overall claims process, which positions them well to advocate effectively for the policyholder's needs and maximize the compensation received for the damages incurred.

In contrast, while electrical engineers and forensic scientists may have relevant technical expertise in specific areas of loss or investigation, they are not primarily focused on the claims negotiation process. Electrical engineers would assess electrical systems, and forensic scientists would analyze evidence related to the cause of a fire, but they do not typically engage in negotiating claims with insurers. Thus, their roles do not align with the primary objective of a loss assessor in the context of insurance claims.