At Insurance Claim Solutions, we understand that dealing with insurance claims can often be a daunting process. That’s where we step in as Dublin’s leading loss assessor, offering you comprehensive support and guidance at every stage of your claim.
Impact Damage is normally caused by a vehicle colliding with a boundary wall or an external wall of a property.
It could also be caused by an object or objects fallen from a moving vehicle e.g. transported container or other goods, fallen trees, and storm damage debris or animals. Impact damage claims caused by forklift trucks are also quite common.
If you need help with an Impact Damage Claim, please contact Insurance Claim Solutions on 086 357 1713. Impact damage, that may initially appear to be minor, can turn nasty, if structural integrity of a building has been compromised.
It is advisable to consult a professional loss assessor or a structural engineer before filing an impact damage claim – as an old saying goes – “better be safe than sorry”.
Please note that any incident involving a third party motor vehicle that has caused damage to your property needs to be reported to the Gardaí as soon as possible, and a reference number obtained.
The reference number and details of the police station dealing with the incident will be required to make your claim. Where possible please retain details of the vehicle make, model and registration number together with the driver’s name, address and their insurance details.
After you report the damage to the Gardaí, you will be able to to file a claim under your own Insurance Policy and your insurers will pursue a recovery of costs against the offending motorist.
Understanding what constitutes impact damage under your property insurance policy is crucial for maximizing your insurance claim payout. Many policyholders are unaware of the full scope of coverage available for different types of impact incidents. Our experienced public loss assessor team helps identify and document all forms of impact damage to ensure comprehensive claim coverage.
Our insurance loss assessor team helps identify and document various categories of impact damage that property owners commonly overlook:
Vehicle Impact Damage: One of the most common forms of impact damage involves vehicles colliding with buildings, garages, fences, or other property structures. This includes cars losing control and hitting homes, delivery vehicles damaging loading areas, or construction vehicles causing accidental impacts during work activities.
Falling Tree and Branch Damage: Storm-damaged trees and branches can cause significant impact damage to roofs, walls, windows, and outdoor structures. The weight and force of falling timber can penetrate roofs, collapse walls, and cause extensive structural damage throughout affected areas.
Aircraft and Debris Impact: Although rare, aircraft incidents or falling aircraft debris can cause catastrophic impact damage requiring specialized assessment and emergency response. These incidents often involve unique insurance coverage considerations and regulatory requirements.
Construction and Equipment Impact: Construction activities, crane operations, and heavy equipment can cause accidental impact damage to nearby properties. These incidents often involve third-party liability claims and require careful coordination between multiple insurance policies.
Weather-Related Impact Damage: Severe weather can propel objects into buildings, including flying debris, hailstones, and wind-borne materials. Storm-related impact damage often occurs alongside other weather damage and requires comprehensive assessment to identify all affected areas.
Sports and Recreational Impact: Golf balls, baseballs, and other sports equipment can cause impact damage to windows, siding, and outdoor structures. While individual incidents may seem minor, repeated impacts can cause cumulative damage requiring professional repair.
Machinery and Equipment Impact: Industrial machinery, forklifts, and other equipment can cause significant impact damage to buildings, loading docks, and structural elements. These incidents often occur in commercial settings and may involve safety violations or equipment maintenance issues.
Vandalism and Intentional Impact: Deliberate impact damage from thrown objects, vehicle ramming, or other malicious acts requires special documentation and may involve criminal investigations alongside insurance claims.
Impact damage claims are among the most varied and technically challenging insurance claims that property owners face. Unlike other types of property damage that develop gradually, impact damage occurs instantaneously but can cause both immediate visible damage and hidden structural problems that may not surface for weeks or months. The force from impact events can transfer through building structures, creating damage in areas far from the initial point of contact.
When impact damage occurs to your property, what appears to be superficial surface damage often masks more serious structural issues beneath. Impact forces can compromise building integrity, crack foundations, damage load-bearing elements, and create stress fractures that weaken structural components throughout your property. Professional assessment is essential to identify both obvious and hidden damage that requires repair or replacement.
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Don’t let the stress of dealing with insurers and repair contractors overwhelm you. Contact us today, and let us handle your insurance claim while you focus on your recovery.
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