Navigating the FBD Insurance Claims Process: A Property Owner’s Guide
If you’ve suffered damage to your home and you are insured with FBD, you might be wondering what happens next. While FBD provides the cover, the FBD insurance claims process can be technical and demanding for a policyholder to manage alone.
As an independent Insurance Loss Assessor, we specialize in managing claims for FBD policyholders to ensure they receive a full and fair settlement.
How the FBD Claims Process Works
When you report a claim to FBD, they will typically appoint a Loss Adjuster. It is important to remember: The Loss Adjuster works for FBD, not for you. Their job is to settle the claim as economically as possible for the insurance company.
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That is where we come in. Here is how we manage the process:
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Initial Notification: We can help you report the claim to FBD correctly from day one, avoiding “wrong wording” mistakes that can lead to a claim being declined.
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The Site Meeting: We meet the FBD-appointed adjuster at your property. We point out all damage—including hidden issues like smoke or water seepage—that might otherwise be missed.
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Detailed Costing: We prepare a professional “Statement of Claim.” We don’t guess the costs; we use industry-standard rates to ensure you have enough money to actually fix your property to a high standard.
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The Final Settlement: We negotiate directly with FBD’s representatives. You don’t have to worry about the back-and-forth phone calls, emails or the stress of the “final offer.”
Why Use a Loss Assessor for an FBD Claim?
Managing an insurance claim is like a legal negotiation. By having a professional on your side, you level the playing field. Our goal is to maximize your entitlement under your FBD policy while you focus on getting your life back to normal.
Is your property damaged? Don’t settle for less. Get expert representation for your FBD insurance claim today.
Speak to an Expert Loss Assessor
Call us now for a free consultation: 0818 929 555
Frequently Asked Questions about FBD Claims
Does FBD pay for a Loss Assessor?
No, the fees for a Loss Assessor are generally not covered by your insurance policy. However, most clients find that the increase in the settlement amount negotiated by an assessor more than covers the fee, while also removing the stress of managing the claim themselves.
What is the difference between an FBD Loss Adjuster and a Loss Assessor?
This is the most important distinction in the claims process:
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The Loss Adjuster: Appointed and paid by FBD to protect the insurance company’s interests.
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The Loss Assessor: Appointed and paid by you (the policyholder) to protect your interests and negotiate the maximum settlement.
Can I hire a Loss Assessor after I’ve already started my FBD claim?
Yes. You can appoint a Loss Assessor at any stage of the process. Even if FBD has already made an initial offer, we can often step in to re-evaluate the damage and negotiate for a more realistic figure if the original offer was too low.
How long does the FBD insurance claims process take?
The duration depends on the complexity of the damage (e.g., a major fire vs. a small leak). Having a professional manage the paperwork and the site meetings usually speeds up the process, as we ensure FBD receives all the necessary documentation in the correct format the first time.
Will my premium go up if I use a Loss Assessor?
Your premium may increase simply because you made a claim, regardless of whether you used an Assessor or not. Using an expert ensures that if your premium does go up, you at least received the full amount of money you were entitled to for your repairs.
Click here to report your FBD Insurance Claim.
Last Updated & Fact-Checked: January 2026