Insurance Claim Solutions

Loss Assessors Dublin | Insurance Claims Experts

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Insurance Policy Review | Avoid Dangers of Under Insurance

 Insurance Policy Review can prevent nasty surprises when making a claim - shocked woman reading a letter An insurance policy review carried out by an independent consultant can help you determine whether you have a sufficient level of insurance cover for both your buildings and your home contents. Under insurance can cost you dearly. Don’t risk losing thousands in compensation for the sake of saving a hundred Euro in insurance costs. 

The Dangers of Under Insurance

If you are wondering why your insurance claim was denied or you got paid out much less than expected, under insurance could be the reason.

We are contacted on a daily basis by distressed home or  business owners who got paid only a fraction of their insurance claim. In many cases this is due to being under insured.

Policy holders often reduce the sum insured in order to reduce the cost of their insurance premiums. Unfortunately, this is often to their detriment as in case of a loss, they are only entitled to the proportion of the claim settlement, due to the “average “ clause.

The small print included in the majority of property policies includes a clause, which allows the insurance company to deduct a percentage of the claim settlement in application of average.

The Average Clause

Here how the Average Clause works. Following a loss e.g. fire, an Insurance Loss Adjuster appointed by your insurance company will arrive and measure the property. He will then apply the applicable insurance rate per square meter and add in for outbuildings, extras, fitted wardrobes etc.

If they find that the sum insured is adequate then no deductions are made. If the sum insured is inadequate (you are under insured), they will apply the “average clause” to your insurance settlement.

Average is used to determine the amount your insurance company is liable for following a loss and it is calculated as follows:

  • Let’s assume that Value at Risk of your house, as outlined by the Society of Charted Surveyors, is €300,000 (this depends on a number of factors)
  • Your Sum Insured as specified in the Insurance Policy  is actually €200,000. You are therefore under insured by €100,000
  • Let’s assume that a fire occurs and nearly half of your house is destroyed.
  • As per builders quotes, to have it re-built/repaired it will cost you €120,000. You therefore file an insurance claim for €120,000
  • Unfortunately, as the Sum Insured is only €200,000 instead of €300,000, the insurance company assumes that you are responsible for 33% of the risk on this property. They therefore are only liable to pay our 67% of the claim (this is the average clause)
  • In result you lose €40,000, just because the property was under insured.

This also applies to the contents section of your policy.

Get a Policy Review and Prevent Under Insurance

We are dealing with insurance claims on a daily basis and in the current economic climate insurers are looking for ways to reduce or refuse cover at every opportunity. It is extremely difficult to get your full entitlement following a loss even when you have 100% adequate cover, so it makes it even more difficult if you are under insured.
Insurance policy cover review to avoid under insurance

In order to avoid the above scenario, it is prudent to get a policy review carried out every year and update your Sum Insured if there are any changes to the value of your property or your home contents.

We offer a full domestic insurance policy review and property survey (also known as value at risk survey) for only €150 + VAT. This includes a written report and recommended changes to your insurance policy to ensure that you or your family are not at risk. We also carry out Value At Risk Survey for business insurance. Phone us for a quotation.

We are not affiliated to any insurance company and can give you impartial advice. Get a review of your insurance policy and avoid under insurance. Call Trevor Kelly on 086 357 1713

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Policy Review - Callback Request
Don't risk underinsuring your home - Get a proper property valuation by a qualified Building Surveyor and Insurance Claims Expert

I am highly experienced Public Loss Assessor, Building Surveyor and Insurance Claims Expert. I Can Help With Determining How Much Should You Insure Your Home or Business For.

I can carry out a policy review for the average 3 or 4 bedroomed property for as little as €150 + vat. You will receive a written report  recommending correct levels of insurance cover within 24 hours. I also carry out valuations for business and commercial properties. (Rates available on request)

Contact me on 086 357 1713 if you require any advice or send a callback request by filling out the form below.


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    We had a water leak so I researched our options in North Dublin and found good reviews regarding Insurance Claim Solutions. From the initial call with Trevor Kelly,  I found him to be very good and he dealt with every aspect from start to finish, ac… Read more
    David Barry
    Contact Details

    Insurance Claim Solutions

    Golf Rd, Rush, Co. Dublin


    Mobile: 086 357 1713 Phone : 01 870 9210


    We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

    Google Reviews
    Inspecting claims form
    Shauna Parle
    Shauna Parle
    09:47 27 Nov 20
    Trevor was extremely helpful and provided an excellent... service throughout the entire process. He really worked to ensure the claims process was as stress free for me as possible by handling all of it on my behalf. I would have been lost without his service after such a traumatic event, couldn’t recommend him more
    Katherine Lyons
    Katherine Lyons
    21:45 25 Nov 20
    Trevor was very professional and experienced. His... expertise made the whole process go smoothly. He made sure I was informed and put at ease from our very first conversation. I must have thanked him 100 times, it is hard enough to deal with the damage and emotions without having to deal with the stress of the claim also. I will be recommending him to family and friends with confidence. Quick and Professional service. I am delighted with my more
    Siobhain Tuckey
    Siobhain Tuckey
    10:06 25 Nov 20
    I cannot thank Trevor enough for all his assistance with a... claim on my dads house. He made the process so simply and organized everything. Trevor was easy to work with and excellent at communicating so we understood the process at all times. I would highly recommend working with Trevor in relation to any insurance claims!read more
    Natasha Smith Menton
    Natasha Smith Menton
    21:53 21 Oct 20
    I contacted Trevor on behalf of an elderly family member... who had a leak resulting in water damage in his house. Trevor reassured me from the very first call that I was doing the right thing by using his service. He was extremely professional and very thorough in his assessment. We didn't have to fill out any hefty paper work or bounce back and forth with the insurance company. Trevor took care of all that. I couldn't believe how quickly it was processed and settled. Amazing work Trevor. We can't thank you enough for the time and effort that you put in. We can concentrate on the repairs now 👍read more
    Sarah Carroll
    Sarah Carroll
    18:38 16 Oct 20
    Trevor Kelly was referred to me by our insurance broker... after complications arose with our claim for water damage to our home. Trevor was not only extremely thorough and experienced with his advice but was also helpful, kind and compassionate. He alleviated so much of the stress endured by the situation by handling absolutely everything for us. Without Trevor's expertise, our claim which was initially declined would never have been approved. His advise was fundamental to the success of our claim, which surpassed all our expectations financially. Thank you so much Trevor for all your wonderful work, I have absolutely no hesitation in recommending your service to anyone who might need more
    Louise Cleary
    Louise Cleary
    12:25 15 Oct 20
    I could not recommend Trevor Kelly enough. I was so... stressed out trying to deal with an insurance claim for the first time. Upon recommendation, I contacted Trevor and it was the best decision ever. Thanks to his professionalism, his calming nature, his re-assuring words to me and also to his in depth knowledge of the business, I was able to leave all dealings with my insurance company to him knowing that I was in very capable and safe hands. Thank you again Trevor for looking after me so very more
    Lucas Vazquez
    Lucas Vazquez
    18:11 14 Sep 20
    Trevor is one of those really good professionals you are... lucky to cross paths in live. An absolute gentleman from day one , he took all pressure and made it so easy ( it was our first insurance claim ever) .Trevor many thanks for your help! There is not way for thanking you enough and it is being a pleasure to meet you. High recommend to anyone whos in the mist of an insurance claim.! ( nev and lucas, dublin )read more
    Riona Mc Grath
    Riona Mc Grath
    20:35 07 Sep 20
    The whole experience was so efficient, easy and honestly... made what should have been an ordeal into a positive experience! Trevor went above and beyond and worth his weight in gold. I would highly recommend Insurance Claims solutions to anyone facing into a claim!read more
    Allish Oconnor
    Allish Oconnor
    20:34 04 Apr 20
    Thank you Trevor so much for all your help with my recent... insurance claim. Trevor looked after all paperwork and communication with my insurance company. The claim was processed very efficiently and was totally stress free for me, considering that we had a serious leak in the house. Trevor actually recommended a builder to complete the work and we are extremely satisfied with the job. Do not hesitate to contact Trevor if you find yourself in the need of accessing your insurance! All the best more
    Mar O'Donoghue
    Mar O'Donoghue
    13:08 30 Mar 20
    Excellent service. Very difficult case arising due to water... egress from damaged pipe work causing significant subsidence. Insurers attempted to frustrate the claim, without Trevor's help we would never have been able to navigate the claims process successfully. We are forever grateful and would never attempt a home insurance claim again without engaging Trevor first. We cannot recommend his services strongly more
    Antoinette Tierney
    Antoinette Tierney
    19:18 20 Mar 20
    Thanks a million @insurance_claim_solutions_ for looking... after my mam and dad insurance claim after a flood wrecked their bathroom and sitting room. Thank you Trevor for making sure she got fixed up even after the job was finished they would have had no idea how to claim and probably would have left it without claiming, and you took over everything for them. They now have a beautiful wet room which is a godsend to my elderly parents I would highly recommend you in the future and have passed your number on. Thanks again for making a huge difference to their lives greatly appreciated From Antoinetteread more
    Miryam Harris
    Miryam Harris
    09:36 21 Feb 20
    Trevor was recommended by our neighbour when we had a water... leak before Christmas. He was just amazing from start to finish and took the hassle way from us having to deal with the insurance company. At all times he was very professional, knowledgeable and courteous. The whole process was seamless from start to finish. I would highly recommend Trevor from Insurance Claims Solutions to more
    Fidelma Heeney
    Fidelma Heeney
    14:27 20 Feb 20
    Trevor assisted with a claim due to a flood which caused... quite an amount of damage to the property. His calm knowledgeable presence reassured me throughout the process. His professionalism and attention to detail was exceptional and nothing got overlooked. I cannot say enough positive things about his way of working and cannot recommend him highly more
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