Need Help with a Residential Insurance Claim?

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

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.