Acts for the insurer
The Insurer’s Loss Adjuster
- Appointed by the insurance company
- Assesses the claim for the insurer
- Reports back to the insurer
Insurance Claim Help Ireland
Business Insurance Claims: Loss Assessors for Commercial Property
At Insurance Claim Solutions, we manage business insurance claims for companies across Dublin and Ireland. Whether you are dealing with fire, flood, storm damage, theft or business interruption, our loss assessors handle the entire claims process on your behalf.
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Business Insurance Claims
Business claims can be difficult to assess and time-consuming to manage.
Insurers can take time to investigate a commercial claim, and their loss adjuster assesses it on the insurer’s behalf.
For a business, time and cash flow matter. Material damages are not your only worry; there is also a loss of profits and a strong possibility of losing clients who will go to your competitors, if they can’t get service or products from you.
Notify your insurer promptly, in line with your policy, and tell us at the same time if you want us involved. We start assessing the claim as early as possible and, where the policy allows, ask the insurer about interim payments to help keep the business going while the claim is dealt with.
Commercial claims can also be really complex. They often involve a careful assessment of the secondary damage, reduction in value, stock damage, loss of records, and the estimated losses due to business interruption.
Then there are negotiations of interim payments and the final settlement, claiming for the loss of earnings or increased cost of working (i.e. alternative manufacturing or warehousing) and other points that depend on the terms of your policy.
With so much involved, some business owners choose to hand the claim to a loss assessor rather than manage it alongside running the business.
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Negotiating Your Claim
Negotiating with Insurers
We record the loss and present it, covering buildings, stock, equipment, records and trading losses, with the evidence behind each figure.
We then negotiate with the insurer and its loss adjuster on your behalf, working from your policy wording and the evidence, so you can concentrate on running the business.
Working with Insurance Claim Solutions
Working with Insurance Claim Solutions can take much of the burden of a business insurance claim off your hands. As independent loss assessors, we act on your behalf and handle your claim, from damage assessment to final settlement.
Insurance Claim Solutions provides end-to-end claim handling, including damage assessment, documentation, contractor liaison, and insurer negotiation. Your claim is managed by our loss assessors, who are all qualified surveyors, and we keep you informed at every stage.
Insurance Claim Solutions offers claim management for commercial clients through its loss assessors.
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Loss adjuster or loss assessor?
Who Does What in a Property Claim
When you make a commercial property claim, your insurer sends a loss adjuster. They are appointed and paid by the insurance company, and they assess the claim on its behalf. A loss assessor does the same job from your side of the table: we are appointed by you, and we work for you.
Acts for the insurer
Acts for you
Your Loss Assessor
- Acts for you, the policyholder
- Records the damage in detail
- Deals with the insurer on your behalf
- Negotiates with the insurer on your behalf
Insurance Claim Solutions acts for you, the policyholder, from the first inspection to settlement.
Dealing with Complex Claims
Understanding Complex Losses
Complex losses, such as those involving extensive structural damage, business interruption, or intricate policy covers, need a detailed understanding of how commercial policies work.
The sums involved are often large. Bringing in a loss assessor early means your side of the claim is represented from the start.
Utilising Digital Site Technology
Digital site technology can help us record complex damage. Where it suits the claim, we can use 3D scanning and rebuild cost assessment to support the valuation of the loss.
Insurance Claim Solutions offers rebuild cost assessment and 3D property scanning, which give the insurer a detailed record of the damage and of the cost of putting it right.
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The Claims Process in Ireland
Steps to Make a Claim
When you need to make a claim under your business insurance in Ireland, several steps are involved. Once the property is safe, notify your insurer promptly, as your policy requires, and start gathering information, which includes:
- Thoroughly documenting the incident by taking photos and gathering evidence.
- Compiling any other relevant information related to the claim.
- Keeping damaged stock and equipment until the insurer has seen it.
You can contact us at the same time. Review your insurance policies to understand what is covered, and submit the claim to your insurer with the necessary documentation. Knowing these steps in advance makes a business claim easier to manage.
For help with your business insurance claim, contact Insurance Claim Solutions.
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What happens next
From Commercial Property to Settlement, We Handle the Claim
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01
Tell Us What Happened
A short conversation about the damage and your insurance cover. It’s free, and there’s no obligation.
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02
We Assess the Damage
A qualified loss assessor inspects the property, records the damage and identifies what should form part of the claim.
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03
We Manage the Claim
Documentation, valuations, insurer communication and negotiations are handled for you. You’re kept informed at every stage.
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04
Agreeing the Settlement
We deal with your insurer on the settlement under the terms of your policy. The insurer pays you directly.
Step 01 is a free, no-obligation conversation.
Public loss assessors
Benefits of Using a Public Loss Assessor to Manage Your Claim
We deal with your insurer for you.
We keep you informed at every stage.
Talk to a loss assessor. The initial consultation is free, with no obligation.
24/7 helpline 01 870 9210