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.

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 enough.read 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 outcome.read 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 it.read 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 well.read 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 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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