Wat doet uw eigen schade-expert, de zogenoemde “contra-expert”?

Posted on maart 29, 2025

Insurance companies are not keen on paying out compensation to policyholders. Especially not when it concerns major damages. In order to reduce the compensation, they look for arguments and call in a loss adjuster to take a good look at the claim. Usually, a loss adjuster is called in for a loss amount of around €1,000, but this can differ per insurer. For a loss below this amount, a loss adjuster is usually not sent. The costs of this loss adjuster do not outweigh the loss amount.

A loss adjuster is always appointed and paid by an insurance company to investigate the claim. They have to investigate what caused the damage and whether it is covered by your insurance policy. For this they come to your home, where they try to collect evidence and estimate the damage.

They then submit their report with recommendations to the insurance company. They have drawn up these recommendations in the interest of the insurer, because they are paid by this insurer. “Whose bread one eats, his word one speaks.” That is why you need a counter-expert to stand up for your rights.

So a claims adjuster is not there to help you with advice and assistance?

What the loss adjuster does is look at the damage from the insurer’s perspective, from the long and financially important relationship they have with the insurer. They will not help you if you do not agree with the compensation. The burden is on you to prove that you should receive more compensation than the compensation that the loss adjuster has determined.

Especially in the case of major damage, it can feel as if the loss adjuster is working against you. When you engage a counter-expert, this professional will stand up for your interests, so that you are not alone. It is worth engaging a counter-expert as soon as possible. Sometimes it can be very difficult to reverse important decisions that have to be taken at an early stage.

What does a counter-expert do?

As the insured party, you appoint your own servant, the counter-expert. A counter-expert can assist you from start to finish in the settlement of your claim for damages. Perhaps you, as a private individual or entrepreneur, have had a fire, causing your house or building to be completely destroyed. Perhaps there has been water damage (for example due to a burst water pipe), causing you to no longer be able to live in your own home or do business in your company. Theft and burglary also cause damage and loss. A counter-expert from Www.contra-expert.nl can help you with this.

The counter-expert employed by Www.contra-expert.nl can handle every aspect of your claim. From the administrative documents to the more practical matters. The counter-expert will visit you to independently assess your claim. He or she will then talk to the representatives of the insurance company (or their assigned loss adjuster) to arrange the right compensation for you.

What is an advantage of a counter-expert from Www.contra-expert.nl

Our counter-expert is fully aware of the policy conditions of your insurance and is therefore perfectly placed to negotiate your claim for damages.

Name another advantage of hiring a counter expert from Www.contra-expert.nl?

• He/she can truly assess the value of the damage, which will result in the correct compensation.
• knows exactly how claims handling works at the various companies.
• can arrange a temporary advance for you and ensure that you receive it on time.
• never works for an insurance company and is completely independent.

U kunt een contra-expert inschakelen wanneer een schadeclaim is geweigerd of moedwillig wordt vertraagd. Wacht echter niet te lang, zodat de juiste beslissingen al in een vroeg stadium kunnen worden genomen.

U verhoogt daarmee niet alleen de kans op het ontvangen van de juiste schadevergoeding, ook geeft u de hele schadeclaim uit handen. Hierdoor hoeft u zelf bijna niets meer te regelen. Uw contra-expert kan alles van begin tot eind voor u in orde maken en u kunt zich weer zo snel mogelijk richten op de dingen waar u voor die tijd ook al mee bezig was.

Kan ik wachten met inschakelen van een contra-expert?

Wanneer u wacht totdat de claim mis lijkt te gaan, is het voor ons niet altijd even makkelijk om uw schadeclaim goed voorbereid te behandelen. Vaak is het bewijsmateriaal dan al geruimd en wordt het moeilijker – maar niet altijd onmogelijk – om de juiste schadevergoeding te verkrijgen. Schakel daarom op tijd een contra-expert in. Zodra u weet dat u een schadevergoeding moet krijgen van uw verzekeraar, kunt u ons inschakelen.

Waarom Www.contra-expert.nl ?

Www.contra-expert.nl  is een van de grootste en bekendste contra- expertisebureau van Nederland. Wij zijn niet aangesloten bij belangenorganisaties van verzekeraars, waardoor wij écht onafhankelijk kunnen zijn.

Met 95% van onze klanten die meer schadevergoeding hebben ontvangen door het inschakelen van onze hulp, is de effectiviteit van onze dienstverlening meer dan bewezen. De onafhankelijke reviews laten dit erg goed zien. Www.contra-expert.nl  is goed in staat om voor uw belangen op te komen!

Overigens onderschrijven wij ook de de Gedragscode van Expertise-organisaties. Dat maakt onze dienstverlening betrouwbaar en laat zien dat wij gaan voor de hoogste kwaliteit.

Wat kost onze contra-expertise?

Voor verzekerde consumenten (dus particulieren of “natuurlijke personeen”) zijn er géén kosten verbonden aan contra-expertise. In de wet is opgenomen dat de verzekeraar de redelijke kosten voor het vaststellen van de schade voor haar rekening dient te nemen.

U hoeft er – ook wat betreft de kosten – dus niet alleen voor te staan. Laat u daarom door ons team van experts bijstaan en ontvang de vergoeding die bij uw schade past.

Hoe maak ik slim gebruik van jullie expertise?

De enige onpartijdige kant bij de afwikkeling van uw schadeclaim is een contra-expert. Heeft u geen contra-expert in de arm genomen? In dat geval staat u er eigenlijk alleen voor tegenover een hoop partijen, waarbij belangenverstrengeling een hoofdrol speelt. U kunt de contra-expert van Www.contra-expert.nl  de afwikkeling van uw schadeclaim volledig toevertrouwen. Wij kunnen het niet genoeg benadrukken: uw belangen staan bij ons voorop.

Onze uitgebreide dienstverlening biedt u:

• het veiligstellen van uw eigendommen, het organiseren van bereddingswerkzaamheden en – indien – nodig zorgen wij voor vervangende woonruimte.
• het voorbereiden, presenteren en onderhandelen van uw schadeclaim.
• a complete mapping of the damage – including consequential damage to both buildings and contents.
• if desired: coordinating the right specialists to repair the damage. We also ensure that the quality of the repair is guaranteed.

Frequently Asked Questions

What would my insurance company think if I hired a counter-expert?
An insurance company should know the law and its own policy conditions. They will see it as a correct, business decision on your part: the fact is that you have no experience in arranging claims. The fact is also that you will be up against very experienced parties. It is not wise to try to do it alone and pay a high tuition fee.

How much does it cost me to hire Www.contra-expert.nl?
As mentioned, it costs you nothing, as we only charge the reasonable costs and these costs must always be paid by the insurer. According to the law, you may hire any desired counter-expert and the reasonable costs for this must be paid by your insurance company. If we have incurred more than reasonable costs to represent your interests, we will cover these costs ourselves.

The insurance company has advised me to use a counter-expert.
Do not sign or agree! There is a big chance that this expert is not independent. We are completely independent, which allows us to realistically determine a loss.

Would you like to know more about the possibilities after reading this information?

Call us on 030-6622424 or mobile 06-5555 5525 and receive expert help immediately.