Agricultural Insurance Claims

We have dealt with all types of agricultural claims, including fire, flood and storm damage. Clients who have had farm outbuildings and their contents destroyed, or even lost livestock, have used us in the past with fantastic success.
We can help you get the required paperwork together to submit to your insurer. We are at hand to advise and negotiate on your behalf in any awkward situation.

Our aim is to maximise your entitlement under your policy, and make sure you get the best settlement possible. 

Agricultural

Agricultural

Agricultural

Home » Farm Owners

Storm Damage - Agricultural Insurance Claims

In our experience the vast majority of Storm Damage Claims are fully covered by home insurance.  We will reduce the time & stress involved dealing with your Storm damage insurance claim.
Our goal is to get the BEST POSSIBLE SETTLEMENT for you with your claim.
You will have Brendan’s direct contact details, he will be your single point of contact. Brendan and his team will represent your best interests throughout the claim process.

Call us before you contact your insurer!

Home » Farm Owners

Agricultural Burglary Insurance Claims

Every week we see items stolen from a farm yard or farm sheds. Quads, machinery and trailers are a common items stolen from your farm. We even dealt with the theft of a door of a tractor recently !

You should protect your farm and machinery as best possible. Lots of farmers now have calving cameras fitted in the sheds. Why not add to your system, and fit cameras to your yard. We recently viewed CCTV footage of the intruder hiding down behind a silage pit, while the farmer walked around the farmyard with the dog after the barking alerted the farmer to get up and check his property at 4.15am !

We have items such as power washers stolen from sheds and if any theft occurs on your farm, you will need our assistance to make sure you get a fair and reasonable settlement from your insurer.

Our goal is to get the BEST POSSIBLE SETTLEMENT for you with your claim.
You will have Brendan’s direct contact details, he will be your single point of contact. Brendan and his team will represent your best interests throughout the claim process.

Call us before you contact your insurer!

Home » Farm Owners

Agricultural Machine Claims

We have dealt with many unfortunate claims for farm machinery. The majority, for fire damage. Top of the range tractors burnt to a crisp and all that is left is a lump of burned metal.

Other machinery damage we have handled before 

  • combine harvester
  • slurry tankers
  • sprayers
  • round and square bailers
  • silage wrappers
  • tractors
  • harvesters
  • hedge cutters and mowers. 
  • Quads & ATV’s

 

Agricultural Insurance Claims

If you have your machinery insured and you have the misfortune of it being damaged, your insurer will send out a motor assessor to examine the machinery to determine if the item is a write-off.  

It can be difficult to deal with the motor assessor on your own, and you may well need the experience of Brendan Boyle Insurance Claims Consultants to assist you get a favourable outcome to your claim.

Home » Farm Owners

Impact Damage Insurance Claims

Sometimes your neighbours cattle might stray onto your land or household property. Serious damage can be caused.

  • lawns
  • hedges
  • trees
  • shrubs
  • driveway and house.

We have dealt with many such claims over the years for customers. Cattle trespass can cause a lot of damage and take away the stress of dealing with this ( or your neighbour!) by asking us to deal with the matter for you. We will put together all costs to complete repairs and negotiate with the other party on your behalf.

Run away tractors or trailers can also cause a lot of damage on a farm or near your home. Failure to engage the breaks on the vehicle correctly can lead to a lot of damage. We can help you 

So what are your next steps? 

Your home needs to be examined by a professional to determine what the problem is.
Do not commence any repair work until you get your home assessed.
This is where Brendan can step in and save you the hassle of having to deal with your insurer on your own. It can be intimidating to argue your case to get the compensation that you deserve.

Some, may not even apply for compensation as the process is too intimidating for them to deal with. Brendan will talk with you and then visit your home and conduct an assessment as to the damage done and the costs associated with it. He will then contact your insurer on your behalf and ensure that you get the compensation that you deserve.
He makes the whole process easy and stress-free, which is exactly how it should be.

We will Help & guide you through the difficult days after the cause of the claim
We assist in securing:
• accommodation 
• interim funding
We will Ensure all damage is noted & reported so its included in the claim
We check your policy terms & conditions  to make sure your covered
We will Handle all negotiations & prepare all the paperwork for your insurer  
We attend all meetings &  keep you informed of all updates
We will Ensure your claim is run efficiently & quickly ensuring success
We will get the BEST possible settlement for your claim

Insurance Claims - Frequently Asked Questions

If it’s the first time you have to make an insurance claim, there’s so much to take on board. Part of this is working out who does what in the claims process. One of the most difficult things to understand is the difference between Loss Adjusters and Loss Assessors.

Loss Adjusters and Loss Assessors are both insurance claim professionals, however, there is one key difference in their roles during the insurance claim process:

  • Loss Adjusters are employed by the insurance company but they are supposed to remain independent.
  • Loss Assessors work for you, the policyholder. They are independent professionals who are employed by you to protect your interests.

A Loss Adjuster’s job is to adjust the claim presented to them by the policyholder or their Loss Assessor. The Loss Adjuster is paid by the insurer to decide what will be paid for – and what will not.

An independent Loss Assessor, such as Brendan, will take over the responsibility to compile and present your insurance claim. We will deal with the insurer’s Loss Adjuster on your behalf, and will protect your interests every step of the way so you receive the very best settlement under the terms of your insurance policy.

We work on a No Win No Fee basis 
Our first appraisal is FREE OF CHARGE and we work on a no win – no fee basis.
If you’d like to use your own builder, your insurer’s builder or want a cash settlement, we can negotiate any of these options for you.  In these cases, we charge a small percentage of the claim value. If we do have to charge a fee, we always expect it to be offset by the increase in settlement we achieve.

It costs nothing to seek our advise on any situation.  Please give us a call on 087 2673390

Click here to read our fee options in full

While many insurance companies will assist you at the outset of your Property damage claim, their only responsibility is to ensure costs are covered to restore your property and replace affected contents. The most stressful and time-consuming day-to-day elements will be left to you to organise and oversee alone if you do not appoint a Loss Assessor

There is no reason why your insurance company or Loss Adjuster should discourage you from appointing your own Loss Assessor to manage your property insurance claim. If your Loss Adjuster is trying to dissuade you from using our services, you should question why they are against the idea of you being equally represented. After all, a Loss Assessor can only help a policyholder claim for what is legally covered within their insurance policy.

Your Insurer and their appointed Loss Adjuster, are obliged under the Central Bank regulatory requirements to advise you that you can appoint your own representative (Loss Assessor), at your own expense.

We provide a range of services including public loss assessing, claims consultation and even pre-loss assessments to examine your property and make sure you are not under-insured or over-insured. 

The types of claims we manage include:

  • Fire, explosion, lightning, earthquake
  • Smoke
  • Storm or Flood
  • Escape of Water / Burst Pipe
  • Impact Damage
  • Theft / Malicious damage / Vandalism
  • Third Party Claims
  • Subsidence / Heave
  • Freezing of water pipes during winter
  • Escape of Oil
  • Accidental Damage

Brendan Boyle Insurance Claims Consultants Limited are registered to undertake Insurance Mediation under the European Communities (Insurance Mediation) Regulations, 2005
In respect of being involved in the decision- making process in relation to claims or assisting consumers in the administration or performance of claims arising under contracts of general insurance.

We are regulated by The Central Bank of Ireland and our regulatory reference number is C139511.

We meet all the criteria laid down by The Central Bank in order to be regulated. We are required to maintain this regulation in order to operate as a Loss Assessor.

Loss Assessors work on behalf of policyholders when they need to make an insurance claim. By law, a Loss Assessor must be ‘Authorised’ by the Central Bank of Ireland. This means they have met the stringent standards required to manage an insurance claim on behalf of a policyholder.

Before you appoint a Loss Assessor, you should ensure that they are a fully-regulated company listed by the Central Bank as ‘Authorised’. If they are not, then it is possible that your insurance company will refuse to deal with them.

Checking this is very easy. Simply visit the Central Bank register and enter the name of the loss assessing firm in the box provided:

  • If you enter the name of some loss assessing firms or individuals, you will see that they are not listed. This means they do not comply with Central Bank regulations or they are operating under the umbrella of another company’s registration. This can be an insurance broker or other financial services company who may not be completely independent and this may be detrimental to the outcome of your claim.
  • If you enter the name of the loss assessing firm and you cannot find their registration details, this means they do not have Central Bank authority and your insurer will refuse to deal with them. As a result, they will not legally be able to prepare and negotiate settlement of your claim.
  • While checking whether the firm is Authorised, you should also look at how long it is since this was granted. We have been registered since August 2015.

In short, your only protection if you decide to use a Loss Assessor is to ensure they are a fully Authorised company. A company’s membership of a trade body is no guarantee of quality and offers you no protection

1. Call us… BEFORE you call your insurance company  
We will handle all communication with your insurance company. We will report the claim, using the specific terminology that Insurance companies understand and ensure your claim gets off on the right foot. 

2. We will assess the coverage under your policy
We will review the terms, coverage, and benefits your policy offers
We explain the fine print, so you understand any restrictions or requirements specified in your policy

3. We help you secure interim funds if needed 
You may be able to request advance funds from the insurance company so you can support your needs during the time the claim is being processed. We can help with this. 
Work with other professionals (accountants, engineers, consultants, etc.), help you manage your finances with respect to the loss
Organize and prepare a complete list of your additional living expenses for residential claims. Work with your insurance company to obtain reimbursement for these expenses

4. Assess the Damage and Submit the Claim
We will conduct a detailed review of all damage to your property, evaluate it, and document it. This may include procuring replacement estimates or specialist quotes, which we will provide.

We will prepare and submit all completed documentation to the insurance company using industry-standard language and terminology, maximizing the likelihood of a fair and prompt settlement.

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