I am wondering if I am alone. I had to make a claim for an escape of water, Direct Line instructed a Loss Adjuster (Davies BVS) who inspected, prepared a report (which they ignored) and tried to offer me £1700 in full and final settlement. The claim is now standing at well over 10 times that value. And that got me thinking. How many people who dont understand insurance have Directline and their supply chain short changed through attempted settlements of this nature. There is no excuse for it, its either gross incompetence, i.e the claims handler being unable to read or understand the content of the report from the surveyor or it is gross negligence bordering on a deliberate act of financial piracy to defraud paying policyholders out of fair and due settlements. Be very wary of accepting offers, and for self protection seek out a Claims Assessor (Not an Adjuster an Assessor) they will work with you to ensure you get a fair settlement for the claim as opposed to doing it yourself where you could be losing out on thousands through this sharp practice.