Insurance Claim Solutions

Loss Assessors Dublin | Insurance Claims Experts

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FAQ About Loss Assessor, Loss Adjuster and Insurance Claims

Below are some frequently asked question about the role of an Insurance Loss Adjuster, the role of a Public Loss Assessor, Loss Assessor Fees and the overall Claims Management Process. Click on the question to reveal our answer.

Q. Why Should I use a Loss Assessor to handle my claim?

Insurance claims can be tricky to assess. Many claim types include secondary damage caused by  smoke or water. This kind of damage is often not obvious and can manifest itself long after the claim is settled and closed.

If you just suffered extensive damage to your home due to fire, flood, storm or some other peril, you are possibly traumatized and not thinking straight. This is not the best time to be left on your own, without professional representation. Dealing with a loss adjuster who is trying to minimise the payout, may just prove too stressful. Many policy holders settle for a smaller compensation just because they can’t deal with the insurance company.

ICS are claims experts. We know how to navigate the claim process and how to identify and present the damage to ensure full entitlement. To put it simply – it is in our interest to get you the best settlement possible as our fee depends on our performance.

Q. What is a difference between a Loss Adjuster and a Loss Assessor?

A Loss Adjuster is a claims professional employed by your insurance company to investigate the claim, scrutinise the policy conditions and to adjust the claim pay-out in line with policy cover. The loss adjuster is paid by the insurance company and therefore works in the interests of the insurance company to minimise their losses.

A Loss Assessor works on behalf of “the policyholder” and we are experts in compiling, formulating and negotiating insurance claims. We specialise in navigating the claims process, protecting  the “policyholders” interest and ensuring that policy holders receive the best possible settlement terms.  A public loss assessor must be regulated by the central bank.

Q. What should I do in the event of property damage?

if your property or business has been damaged and you are considering making a claim, your first call should be to us. As we are claim experts working exclusively on behalf of you, the policy holder, it is critical to get the damage assessed independently, before your claim is presented to your insurers. We can carry out an immediate survey, document the damage, advise on damage limitation and notify your insurance company or broker.

Q. When should I appoint a Loss Assessor?

Ideally, you should call a Public Loss Assessor as soon as you suffer a loss. The Loss Assessor can then ensure that the damage is correctly assessed, photographed and documented. Correct recording and documenting of the loss will help you ensure that you receive your full entitlement, and also reduce the risk of prejudicing your claim

Q. My business was damaged by fire, can you help?

Yes we certainly can, just one call to us and we will arrange to visit and survey asap. In addition to the property reinstatement, we can also help in the assessment of lost stock, increased cost of work, business interruption and trading losses.

Q. How much do you charge? What are the ICS loss assessor fees?

We carry out a free no obligation first survey and we take your claim on a No Win- No Fee basis. We charge a small percentage of the final settlement, typically 10% + vat. Fees are agreed on a case by case basis, dependent on the size and the complexity of the loss.

Q. How long will it take for the insurance claim to be settled?

On a standard, straightforward claim, it can generally take between 2-6 weeks to get the claim fully settled- ICS are fully committed to ensure that your claim is settled as efficiently as possible.

Q. When do I receive payment in respect of my insurance claim?

You should receive your cheque within 7-10 days following the agreement of settlement terms.

Q. When do I have to pay your fee?

Our fee is due when you receive money from insurance company.

Q. How do I know what I can claim for?

A detailed list of insurable perils is listed in your policy booklet. However you also need to consider a list of exclusions and special conditions, frequently buried in the small print. Call us and we can help you determine, free of charge, whether your claim will be successful.

Q. Who receives the claim pay-out – me or the loss assessor who managed the claim?

You, the policyholder receives the payment directly from the insurance company. Loss assessors do not commute or handle the settlement funds.

Q. Will a claim affect my premium at renewal?

Any claim made on the policy is likely to have an impact on your no claims bonus, each insurer will differ. It is important to weigh up the benefit of the claim and the potential impact. We can advise of the potential impact to your policy on an individual basis. The onus is on the policyholder to advise any future insurer of previous claims. See our article on Why a Small Insurance Claim Is Not Worth Filing.

Q. Do Loss Assessors provide contractors and professionals to assist with the reinstatement works

Loss Assessors are independent and don’t directly complete the reinstatement works. However,  we do work closely with a large number of contractors, architects, engineers, surveyors and other construction professionals. We can assist with selection of contractors and recommendations and if required, project manage the repairs.

Q. Why did I get paid less than I was insured for?

Your insurers probably applied the Average Clause. Read our article on How the Average Clause works.

Q. What kind of water damage does insurance cover?

Home insurance generally covers for “accidents”. Burst pipes and tanks after freezing, but often does not cover for gradual damage from small leaks that might be considered lack of maintenance. Give us a call and we can check your policy against the damage you have.

Are burst pipes covered by insurance?

Burst pipes can be a financial headache for home owners. Fortunately, home insurance typically covers unexpected burst pipes and the water damage that results. However, generally you won’t be covered if the damage results from a slow leak that went unfixed for months.

Is water damage from leaking roof covered by insurance?

A standard home owners insurance policy will cover water damage and roof leaks unless they’re the result of gross negligence on your part. Whether the roof leak is caused by a windstorm or a tree crashing through the roof tiles, you’re covered.

Water Damage Claim: Trevor is very good at what he does and it’s a magnificent service he offers…I was delighted with the settlement. Read more …
Water Damage Claim - Ed Lee from Fingal
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
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 Trevor.read 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 enough.read 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 anyone.read 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 enough.read more
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