Answer: Notify your insurers, who will employ a chartered loss adjuster to investigate, negotiate and settle the claim, and who must act in a fair and just manner.
You can certainly employ a chartered loss adjuster yourself — they will provide support, help and professional advice and will liaise with the insurers’ chartered loss adjuster. Your loss adjuster can advise about the appointment of structural engineers and building contractors, and will be able to ensure the work is done as efficiently and quickly as possible.
You will be responsible for the fees of your loss adjuster unless you have a separate loss recovery insurance policy which covers this.
Generally, a policyholder would not employ a chartered loss adjuster for a claim worth less than £10,000 but it is a matter for you if you choose to do so.
Tell your insurers you intend to employ your own loss adjuster and make sure you choose one who is a chartered member of the Institute of Loss Adjusters, and is therefore regulated.
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These answers can only be a very brief commentary on the issues raised and should not be relied on as legal advice. No liability is accepted for such reliance. If you have similar issues, you should obtain advice from a solicitor.