Residential Insurance Claims

Have you suffered damage to your property? Our goal is to get you the BEST POSSIBLE SETTLEMENT with your insurance claim.  We will review your policy cover during our initial inspection and confirm what cover is in place before we go any further. If cover is in order, we will assist you in making a claim with a successful outcome.

We will reduce the time & stress involved dealing with your Property damage insurance 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! 

Fire Damage

Flood Damage

Burst Pipes

Storm Damage

Home » Residential Insurance Claims

Types of Insurance Claims

We work on many types of Insurance claims for our Clients – here is a selection of the more common claims.
Please get in touch if your type of claim is not mentioned. Its highly likely that we have worked on something very similar to yours.

  • Fire, explosion & Lightning
  • Chimney Fire
  • Smoke Damage
  • Burst pipe or water leak
  • Storm Damage
  • Flood Damage
  • Theft or malicious Damage
  • Escape of Home Heating Oil / Kerosene
  • Accidental Damage
  • Impact Damage Claims ( normally from motor vehicles)
  • Third party Damage Claims e.g. Cattle trespass, or vehicle impacts with your garden wall
  • Subsidence, Landslip or Heave

Working with Us - 4 Big Advantages

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

Home » Residential Insurance Claims

Residential 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

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.

Home » Residential Insurance Claims

Residential Burglary Insurance Claims

You wake up in the middle of the night and hear noise, there is an intruder in your home. You are gripped with fear and try to alert the Gardaí. Another scenario is you come home to find your home has been ransacked while you were away at work or on holidays. A burglary is something that no one wants to experience. Knowing that someone has broken into your home, your safe place, and proceeded to rifle through your belongings and steal your valuables leaves you feeling very unsettled.

The most important thing to do is to notify the Gardaí so they can launch an investigation and give you help and advice on how to proceed with the situation at hand. Do not interfere with anything yet as it is all evidence that needs to be assessed and noted. Once the Gardaí have finished their investigation, your first instinct may be to clean, tidy and dispose of all the damage, but this is a mistake as you need to properly document all damage and account for every little thing. You also need to do an inventory of your belongings to assess what was taken and what was damaged. U
se your mobile phone to take photos of all the damage to have a record of the damage.

Dealing with the aftermath of a burglary is a very emotional time for people. You are left feeling angry, scared, vulnerable, stressed and anxious. Your life has been turned upside down and your safe haven has been invaded. Important items were lost and damaged with memories, valuables and irreplaceables taken. The last thing you want to do is deal with your insurance company, that is where Brendan steps it. He is there to deal with the insurance company to ensure that you get the compensation that you deserve. Brendan will work in the background sorting out everything on your behalf. He will assess the damage caused and the costs associated with repairing your home. Brendan is there to help you get your life back on track. 

 

Home » Residential Insurance Claims

Residential Subsidence Insurance Claims

Subsidence is a gradual downward movement in the ground and supporting structure of your home. Walls and foundations are affected. Subsidence happens slowly. You may not even notice any signs early on. The movement of the ground underneath your home causes small cracks to appear, that are naked to the eye at first. These cracks slowly expand to become 3mm wide or more.

The first signs you notice can be the plaster on your wall getting a crack that may spread to resemble lightning bolts up the walls, you may also notice your doors and windows are sticking and jamming or your skirting boards are falling off the walls. You may also find that your floor is uneven and that floors are lifting.
These are all signs that your home is experiencing subsidence.

Subsidence has many causes including:

  • Having trees planted close to your house can cause the soil to shift and dry out.
  • Living in an older building puts your home more at risk of subsidence as foundations may be shallower.
  • Drought conditions and dry weather can quickly dry up the soil.
  • Shoddy workmanship from previous structural works can leave soil and foundations uneven.
  • Water leakages and flooding can cause the soil to become saturated and your home to sink.

If your home is located close to old mines the ground may be unstable and prone to subsidence occurring.

So what are your next steps?
Your home will have 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 steps in to take control of claim. You don’t have to deal with your insurer on your own. It can be intimidating to argue your case to get the compensation that you deserve. Some people 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 process of claiming easy and stress-free, which is exactly how it should be.

Home » Residential Insurance Claims

Residential Impact Damage Insurance Claims

Impact from a car or truck at your home can cause extensive damage. Once the emergency services have dealt with the safety and security of your property, you face a difficult insurance claim. It’s important you don’t lose out financially and that your life and property can return to normal as soon as possible

So what are your next steps?
Well your home will have 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 people 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 process of claiming easy and stress-free, which is exactly how it should be.

What our Clients say

Facebook Reviews

Rachel Moran McKenna
Rachel Moran McKenna
2019-09-12T08:35:12+0000
We dealt with Brendan for a recent Insurance claim, he provides an excellent service very efficient with no delays, It made life so much easier for us not having to deal with Insurance company ourselves, he does it all for you.!😀
Kevin O'Rourke
Kevin O'Rourke
2019-02-26T21:00:40+0000
a pure gentleman & professional in his field.
Ross Melody
Ross Melody
2018-11-06T11:34:37+0000
I would highly recommend Brendan to look after your insurance claim. We had the unfortunate experience of a burst pipe in the attic causing huge damage to our house. Throughout this very stressful time Brendan was always at the other end... of the phone to keep us updated and successfully negotiate a favourable settlement. Brendan dealt directly with our insurance company throughout the entire claim taking out all of that extra stress and hassle for ourselves. I am confident that we would not have had the successful outcome without the professional assistance and guidance from Brendan and would not hesitate in recommending him to anyone with an insurance claim.read more
Lally Phair
Lally Phair
2018-11-05T20:34:59+0000
Brendan is always ready to go that extra mile for you very friendly and fast, id recommend Brendan Boyle insurance,
Angela Mc Cormack
Angela Mc Cormack
2018-09-14T20:58:22+0000
The business is always friendly, Brendan is always so helpful,he is someone who is reliable and trustworthy. I’d highly recommend him for all your insurance needs.
Barry Kiernan
Barry Kiernan
2018-09-14T20:55:10+0000
We at Barry Kiernan Construction deal with Brendan Boyle on a weekly basis in our work on insurance repairs. He is a wealth of knowledge in what he does and we refer him with confidence to our clients.
Laila Kornaszewski Sergejeva
Laila Kornaszewski Sergejeva
2018-09-14T19:10:31+0000
Brendan very professional and looks after your problems with knowlege and expierence. Commes highly recomended.
Paul O Brien
Paul O Brien
2018-09-14T17:36:59+0000
Brendan has done a fantastic job for us in relation to a leak in our home. Honestly didn’t realise the value of what Brendan did until we experienced it ourselves. I would highly recommend Brendan and his company to look after any... claim you might have. Thanks Brendan.read more
Ghandi Mc Gauran
Ghandi Mc Gauran
2018-09-14T16:55:02+0000
in our line of work we come across a lot of crime. When we are called out especially to a house we advise the victim not to tidy up anything until Brendan Boyle has a look and gets some photos. the experienced eye will always spot some... damage that most householders miss, especially with all the truama. Brendan and his team are the people to call when you are in bother. If you need to discuss futher call Lock Up Alarms at 0719855104read more
Elaine Bradley-Ryan
Elaine Bradley-Ryan
2017-09-02T11:53:50+0000
Excellent advice and claims handling - with years of expertise. Thanks Brendan!
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