Insurance Claim Solutions

Loss Assessors Dublin | Insurance Claims Experts

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Storm Damage – Insurance Claim Case Study

An unprecedented heavy snowfall between late February and early March 2018 and subsequent storm Emma led to a large number of buildings being damaged by strong winds and heavy snow load.

One such building was our client’s large industrial warehouse. The building suffered catastrophic collapse following the heavy snow; the collapse left the building in a very dangerous condition with a high risk of injury to the general public. This case study shows the complexity of business claims and how important it is to get the help of an experienced loss assessor.

Extensive Storm Damage

Industrial Unit collapsed due to storm damage and heavy snow load

 

 

 

 

ICS were referred to the client by a close friend whom we had helped previously with an insurance claim. We met with the building owners very shortly after we received the call. We documented the damage and devised an immediate emergency response plan.

Normally you cannot start repair work without the approval of the insurance company, but due to a large number of claims resulting from the storms, there was going to be a delay before the insurance loss adjuster would be able to attend the site.

To prevent further damage and protect the public, we gave our clients the go-ahead to start the remedial work. As the storm damage to the building was so extensive, the emergency plan included the demolition of the building, along with the segregation and enclosure of the damaged area to prevent any risk of harm to the general public and adjoining business owners.

As the damage caused by the storm was extensive, my clients were very worried about the complexities of the claims process and the possible outcome of their storm damage claim. We assured them that we took the best course of action and put their mind at ease.

Our initial meeting with the insurers confirmed that all of the emergency works we carried out were justified and reasonable, and the insurers were satisfied to fully reimburse the expenses that had been incurred.
We negotiated the extent of the emergency works needed, the potential costs and a claims management strategy to be taken to establish the full extent of reinstatement.

The building was made up of reinforced concrete walls, concrete floors and a steel portal frame, it was very important to ascertain the full structural condition of the building before undertaking repairs. We helped our client select and appoint a professional consulting engineer, who then assisted us in compiling a full inventory of all required repairs.

Unfortunately, in this case, the building was so badly damaged that a repair was not going to be feasible and a full rebuild was required. We compiled and formulated an extensive Bill of Quantities for the rebuilding with the input of our client and their design team.

Armed with all the evidence and the rebuild estimates, we entered into negotiations with the insurance company and eventually, following months of intense negotiations, meetings and discussions both on and off site, we achieved a settlement which enabled our client a complete rebuild of the warehouse.

Storm damage claims, especialy commercial claims are very technical in nature and typically require a number of rounds of negotiation. It may even take 5 to 10 rounds to get to an agreeable settlement that we can recommend to our clients. ICS will never recommend settlement to our clients until the very best compensation and settlement terms are negotiated and secured.

Once the insurance company had agreed to the terms, we assisted our client with the tender process and the appointment of a building contractor. The replacement building is now under construction. As new buildings have to be designed and built in line with the current building regulations, the new building will be built to a much higher specification and it will perform better than the original one. Needless to say, the owners were delighted with the outcome and have gone on to refer ICS to others.

 

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My name is Trevor Kelly. I am highly experienced Public Loss Assessor and Insurance Claims Expert. I can take away the stress of dealing with the insurers, help you assess the damage, prepare your claim and make sure that you get a full compensation for your loss. FREE, no obligation on site assessment of your claim.

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Public Loss Assessors Dublin, Wicklow, Kildare, Meath, Louth, Westmeath, Offaly, Cavan, Monaghan, Tipperary, Kilkenny, Laois, Longford, Wexford, Waterford and Northern Ireland. Start-to-End Insurance Claim Management Services

 

Trevor Kelly t/a Insurance Claim Solutions is regulated by:

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Speedy Claims Resolution: Trevor is a qualified building surveyor and as such knows what to look for with regards to things like ‘unseen’ damage. Read more…
Water Damage Claim - John from Co. Laois
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
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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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