Disagree with the Damage Assessor in Rotterdam
The insurer's damage assessor has determined the damage, but you disagree. This happens more often than you think. As a resident of Rotterdam, 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 Rijnmond 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 Rotterdam
For large amounts or principled disputes, legal help can be valuable. A specialist in de regio Rijnmond 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